Understanding UMR Insurance Rehab Coverage in California
Taking the brave step to enter drug and alcohol rehab is admirable and takes a substantial amount of self-reflection and faith. Ideally, this is an action that anyone battling drug and alcohol addiction—or any number of mental health disorders—could decide on without any reservations or hangups.
However, before beginning the recovery journey, careful planning and a checklist of specific actions must be taken. Ensuring you have the right insurance policy is one of the most critical steps in the preparation phase. Unfortunately, this is a significant barrier to entry for many California residents seeking rehab services.
For many natives of the state, UMR insurance for rehab coverage in California provides lifesaving assistance, allowing a large number of those battling addiction to obtain health insurance coverage
While technically not a direct provider of insurance coverage, UMR Insurance is a third-party agency that connects millions of California residents with an adequate plan that covers mental health and substance abuse treatment.
In this article, you’ll discover how UMR insurance can help you obtain the insurance benefits you need and why South Shores Detox is the ideal location for UMR plan holders.
What Is UMR Insurance, and How Does It Benefit California Residents?
UMR Insurance is a TPA, or Third-Party Administrator. This means it doesn’t directly provide health insurance plans but connects California residents looking for an insurance company with the best available plans.
UMR works with employers and healthcare insurance providers to provide California residents with services for addiction treatment, mental health, and other essential medical services. They also assist in ensuring the prompt and accurate processing of claims, taking away unnecessary stress for the insured.
When you opt for addiction treatment at South Shores Detox, UMR oversees the process to monitor for efficiency. Part of their services include:
- Guaranteeing you are offered the services you’re entitled to
- Tracking the accuracy of any out-of-pocket expenses you incur
- Helping to find accredited addiction treatment providers like South Shores Detox
The adoption of the Affordable Care Act made it mandatory for health insurance companies to provide substance abuse and mental health coverage. South Shores Detox can assist by contacting UMR for the following information:
- The specifics of your insurance coverage
- Verify the types of therapy covered by your insurance company
- Relaying any additional information regarding your need for specific forms of therapy
What Does UMR Insurance Coverage Include Under Approved Services?
If you have insurance coverage through healthcare providers that partner with South Shores Detox, you’re probably curious about the specific addiction treatment services you’re eligible for.
Under UMR insurance coverage, you have access to the following mental health and drug and alcohol rehab programs:
Medically Assisted Detox
Detox is one of the primary building blocks of addiction treatment. This process removes the last traces of your drug of choice from the body. Depending on the substance, the detox process can be fatal.
The most intense substances (opioids, benzodiazepines, and alcohol) require constant monitoring from trained medical staff. You receive a variety of pharmaceutical solutions to help you deal with the pain and discomfort of withdrawal, allowing you to fully detox and regain your health before entering inpatient rehab.
Inpatient Addiction Treatment
Inpatient addiction treatment includes staying at our facility for 24-hour attention. Our inpatient drug and alcohol rehab provides a structured environment that provides support and education to help you learn about the science of addiction.
Our substance abuse and mental health services at South Shores Detox deliver critical knowledge regarding triggers, negative behaviors, and the internal elements that push you to engage in drug or alcohol abuse.
Outpatient Treatment
If you have obligations at work or in your personal life that make inpatient services challenging to attend, outpatient mental health and addiction treatment provides a practical solution. This type of substance abuse treatment is ideal for those who have less severe disorders and mental health issues. Your insurance benefits cover one of several outpatient services available as alternatives to inpatient rehab. Outpatient rehab services include:
- Standard outpatient
- Intensive outpatient
- Partial hospitalization programs
Additional Addiction Treatment Coverage
Your UMR insurance provider covers additional substance use and mental health treatment services. These include, but aren’t limited to:
- Family therapy
- Holistic treatment
- Behavioral therapy
- Trauma-informed therapy
- Telehealth services (when available)
- Medication-Assisted Treatment (MAT)
Find Out More Details Regarding Your UMR Insurance Coverage
If you have additional questions about your coverage for outpatient treatment, mental health treatment, or inpatient services, contact South Shores Detox. Have your UMR insurance card available if possible (or the numbers if not) and any questions to help you better prepare for your journey toward recovery.
How Does UMR Insurance Enhance the Recovery Experience
Finding substance use disorder treatment can feel like an insurmountable task. With so many technicalities involved, the stress related to navigating the admissions and verification process is enough to discourage many would-be clients.
By taking advantage of this third-party administrator, you have access to the following support:
- There is coverage for a diverse number of therapeutic options. Rather than settling for the standard rehab experience, working with a third-party administrator (TPA) allows for dynamic recovery options like holistic therapy, CBT, MAT, and medically assisted detox.
- You receive guaranteed access to in-network treatment providers. This is helpful during the post-treatment process, primarily if South Shores Detox refers you to additional sources for mental health or addiction therapy. It’s always wise to have a plan for continued treatment through some type of primary care provider. UMR can help you find the ideal professional to match the quality of care you receive at South Shores.
- Recipients also receive assistance for mental health through their health insurance providers. Even standalone cases of PTSD, bipolar disorder, anxiety, and other challenges can be covered through various behavioral health services. Outside of UMR rehab coverage, clients may also receive assistance with the cost of prescription medications.
- UMR rehab coverage is one of the primary benefits, but they’re also a rich source of knowledge regarding additional recovery efforts. UMR health insurance companies can help direct you toward peer support groups like SMART Recovery, AA, NA, and even help you find sober living homes if you’d like to transition after treatment.
Contact South Shores for Proven Rehab Programs Today
Working with third-party services like UMR, South Shores Detox can deliver top-notch treatment alongside additional resources that give you a leg up on addiction. The more tools you have, the higher your odds of success.
Maintaining communication with third-party resources that continue to support your sobriety substantially decreases your chances of relapse, putting you on the narrow path to long-term recovery. If we can assist in any way or if you’d like more information regarding our programs, please contact a member of our admissions team today.
FAQs Regarding UMR Insurance Rehab Services
1. Does UMR directly pay for my treatment at South Shores Detox?
No. Remember, UMR is a third-party administrator that helps you locate the most appropriate insurance provider based on your financial status and other elements. Although they don’t cover your treatment directly, they provide several vital services that help decrease the barrier to entry into rehab.
2. How can I find out more specific information about my insurance policy?
We recommend calling our facility directly if you want immediate assistance regarding your insurance policy and how it impacts your admission to South Shores Detox. Be sure to have your insurance card or policy number so we can look up your information and provide the answers you’re looking for.
3. What are my out-of-pocket expenses if I use UMR to obtain insurance?
This depends solely on the specifics of your policy. We strongly encourage you to contact South Shores Detox to inquire about your deductible and copaymenet information, as this will give you a concrete answer about your cash expenses.
4. What if I can’t afford my deductible or copayment?
If you cannot cover the additional costs associated with treatment, please contact a member of our team today. Sometimes, a client might have family willing to help them cover a copay or deductible. However, this isn’t always the case. We can help you with potential sources of funding that might help you satisfy the remaining balance. On certain occasions, we can craft some type of payment arrangement, allowing you to break the costs down into smaller, more manageable payments. You can also look into the following outlets:
- Neighborhood or community churches
- Setting up a GoFundMe account or other crowd sourcing
- A small, short-term loan through your financial institution
- Contact your local social services office regarding vouchers or grants for residents in your situation.