UMR Drug and Alcohol Rehab in Ohio

Will UMR Pay For Rehab?

Yes, through UHC, UMR does contribute towards the costs of drug and alcohol rehabilitation. The specifics, such as any out-of-pocket costs, will depend on the particulars of your policy. Most plan members should anticipate certain costs like deductibles, copays, or co-insurance, based on the details of their plan.

For members who have met their annual deductible, it’s possible that UMR will cover the entire cost of drug and alcohol rehabilitation services.

The variety of addiction treatment services covered under your plan will also vary depending on the severity of your addiction and the substances involved. There are numerous levels of care for treating addiction, one of which is inpatient medical detox. While your policy might cover medical detox when necessary, it might not be deemed medically necessary for all individuals and could be denied by UMR. Nonetheless, UMR may authorize alternative levels of care.

Types of UMR Plans

Like other insurers, UMR offers a variety of plans to fit their members’ needs. Some plans come with lower out-of-pocket costs but fewer options for care, while other plans offer more flexibility at a premium cost. Regardless of your plan type, every UMR plan offers coverage for addiction treatment services, thanks to the Affordable Care Act (ACA). Under the ACA, health insurers are required to offer substance use disorder treatment as one of ten essential health benefits.

Because UMR is a third-party administrator, your coverage is provided through UHC. The primary types of plans include:

• HMO Plans: These plans require you to use a defined network of providers, usually lowering costs and premiums. If you have an HMO plan, you’ll need to choose an addiction treatment center in-network with UMR, such as Ohio Addiction Recovery Center.
• PPO Plans: Offering more flexibility in choosing a treatment center, PPO plans offer out-of-network coverage, but usually result in higher out-of-pocket costs for these services. You can reduce costs by choosing a facility that is in-network with UMR
• EPO Plans: A less common plan type, EPO plans are like a premium HMO plan. They feature a defined network without the need for primary care physician referrals for specialists and provide a larger network. However, EPO plans do not offer out-of-network coverage.
• POS Plans: Combining elements of HMO and PPO plans, POS plans offer a network of providers with the potential for out-of-network coverage at higher costs, usually requiring referrals for specialists.

If you aren’t sure what plan you have or want to find other facilities that are in-network with UMR, you can login into your patient portal with UMR or search their network.

Inpatient Medical Detox That Accepts UMR

Ohio Addiction Recovery Center boasts an advanced medical detox unit for drug and alcohol withdrawal management in a comfortable residential setting in Columbus, OH, with 24/7 medical care. Medical detox is often the first phase of addiction treatment aimed at treating the physical component of substance use disorders.

UMR covers medical detox when deemed medically necessary. Detox is typically reserved for individuals with chemical dependency. Chemical dependency means you experience physical withdrawal symptoms when you stop or limit substance use. Substances that usually require medical detox include:

• Alcohol
• Heroin and prescription opioids
• Benzos, such as Xanax or Valium
• Fentanyl
• Hypnotic sleep medication, such as Ambien

Learn more about our detox center in Columbus, OH

Residential Rehab That Accepts UMR

Our residential program, lasting 30-45 days, focuses on the psychological aspects of addiction following detox. In residential rehab, clients engage in groups, individual therapy, life skills, educational classes, relapse prevention, and aftercare planning. Residential rehab is an intensive program designed to treat the underlying causes of addiction and arm individuals with the tools to sustain recovery outside of treatment.

Learn more about residential rehab in Columbus, OH

Mental Health & Dual Diagnosis Rehab Coverage

UMR benefits also extend to mental health and psychiatry services. At our center, we provide dual diagnosis treatment for substance use and co-occurring mental health conditions, leveraging UMR benefits for comprehensive care, including psychiatric services and medications for other mental health disorders. You or your loved one will meet with Psychiatrists and/or Mental Health Nurse Practitioners to ensure any underlying mental health conditions are addressed while under our care.

Understanding Your UMR Plan

Navigating insurance details can be daunting. Our team is available 24/7 to verify your benefits and clarify the coverage provided by your UMR plan, helping you identify the most suitable level of care for yourself or a loved one. If you aren’t a fit for our program, we can provide options for other providers that are in-network with UMR. You can reach us at 800-481-8457 or through our instant chat in the bottom right corner.

• Sources
  1. UMR – Medical Benefits
  2. Office of National Drug Control Policy – Substance Abuse and the Affordable Care Act
  3. UHC – UMR