Speak to an Addiction Specialist

(888) 280-3348

  Call 24/7 For Help

How Does UMR Help with Benefits for Drug Rehab?

Do you have UMR health insurance and need addiction treatment? Perhaps it took you a few years to decide that you needed to get help for your addiction. You have finally made the decision to go to drug rehab, and you're wondering what part UMR will play as you seek out benefits to help pay for your drug treatment. While UMR is not an insurance company, it's still an excellent part of your benefit package from your employer, and UMR can help you pay for drug rehab.

You may have seen conflicting information online about whether or not rehab is needed to recover from addiction. Many well-known websites claim that it isn't. However, two surveys completed by the American Journal of Public Health have found that it is.

The surveys concluded that most people who attempted to recover from alcoholism without treatment were unsuccessful. It's safe to assume that the same would be said for anyone needing to recover from a drug addiction.

Both drug and alcohol abuse are serious public health problems in this country. It helps to know that you're not alone when you're working toward recovery. That is just one of the benefits of going to rehab and receiving professional treatment.

Do You Have Questions About Addiction? Call Our Recovery Experts Now.

The Role of UMR with your Drug Rehab Benefits

UMR is not your health insurance company, but it is a company that your employer hired to be sure your claims are paid quickly. For that reason, UMR will be an excellent resource for you when you want to go to drug rehab. UMR will ensure that you are not turned down for drug rehab benefits because those benefits are available to everyone because of The Affordable Care Act.

What Type of Drug Rehab Can You Get with UMR (a UnitedHealthcare Company)?

Some people worry that if they need a certain type of drug rehab, UMR will not assist them with covering their expenses, and that is not the case. You are able to get any type of drug rehab you need when you have an addiction, and that includes:

  • Prescription drug rehab
  • Crystal meth rehab
  • Alcohol treatment
  • Cocaine treatment
  • Marijuana treatment
  • Heroin rehab

UMR is there to assist you with making sure your insurance company follows through with coverage fordrug rehab, no matter what you need substance abuse treatment for.

Does UMR Cover Drug and Alcohol Detox?

Today, it is more apparent than ever that alcohol and drug detox are important parts of addiction recovery. UMR will ensure that your health insurance provides you with benefits to help cover this service.

Detoxing is generally the first step that most addicts and alcoholics take when they get treatment. It is essential because it will help you overcome the physical part of your addiction. Also, many detox symptoms can potentially become dangerous if left untreated. Professional detoxification can help you to avoid many complications.

UMR Rehab Info

Will Your Rehab Coverage Include Both Inpatient and Outpatient Therapy?

When you have UMR coverage, your policy usually includes both inpatient and outpatient programs. Individual policies do vary, and the amounts that are covered may be different for each type of rehab. Usually, people begin by going to inpatient treatment when possible. Afterwards, they transition into an outpatient program for their follow-up treatment.

It's important for you to know exactly what your policy states about your benefits. When you inquire about rehab, everything will be explained to you after your insurance is verified.

Your Coverage for Inpatient Drug and Alcohol Treatment

If it is determined that you need inpatient treatment, UMR will help you pay for it. The amount that they pay is determined by your personal policy selection. Sometimes people have policies that will cover the entire cost in full. Usually, companies like UMR will ensure that it's mostly covered. You may have a small amount that you're responsible for out of pocket. However, it should be quite affordable.

If you have questions about your UMR policy, visit the UMR portal for more information. There, all of your questions will be answered.

When you go to inpatient treatment, you're committing to a 30-day program, most of the time. There are some rehabs that offer longer lengths of stay. Some may offer 90-day rehab programs. Again, this will all be explained to you.

Usually, your stay will involve going through the detox process first. After that, you'll transition into rehab, which will include different types of therapy. While you're there, you'll work on healing from the issues that led to your addiction.

It may be hard for you to imaging taking so much time and dedicating it to your recovery. However, those who have done it before you are so glad that they did. Inpatient rehab is truly a life changing experience, and it has helped so many addicts and alcoholics.

Many health insurance policies actually offer better coverage for people who need outpatient treatment. This may or may not be the case for you, depending on your policy. If you're not able to commit to an inpatient facility, outpatient may be your only option. You should know that your health insurance will still assist you with paying for it.

Outpatient treatment usually lasts longer than inpatient care. For instance, your treatment may last for 12 weeks, or even longer, depending on what you need. Most of the time, people needing first-time treatment are recommended for intensive outpatient programs. This gives you more time with staff members as you recover. You may be required to attend an inpatient detox prior to starting the program.

Eventually, you'll be transitioned to general outpatient treatment. This involves meeting with a therapist, and it may or may not include a support group. Your health insurance will offer benefits for this type of care as well.

Health insurance companies rely heavily on addiction treatment providers to indicate the length of treatment. UMR is no different. If you choose inpatient care and it's recommended for you to stay 30 days, will be reflected in your coverage. If you are in an outpatient program, and they recommend six months, the same will be true.

There's no need for you to worry that your insurance coverage will just stop. If you are compliant with the program, your insurance will continue to provide you with benefits.

Can I go to Alcohol and Drug Rehab Without Insurance?

It's possible that you don't currently have health insurance. Maybe you're concerned because you know you need to go to rehab, but you just can't afford it. Please know that you can still get the help you need to recover. There are different ways that this can be achieved.

  • Grants - You may not realize that SAMHSA offers grants to many local drug and alcohol rehab facilities. They know that there are people in our country without health insurance who need treatment. These grants are provided to help these individuals pay for their rehab and detox.
  • Friends and Family - You may have a loved one who understands the struggle you're facing. Maybe they've been trying to encourage you to get help, but you've waited because you can't afford it. If you talk with them, they may be willing to offer you a loan to cover the costs.
  • Community Funding - Many communities offer funding in the form of scholarship programs for rehab. You should talk with someone at your local Department of Social Services to find out more about this option.
  • Personal Savings - Do you have a personal savings account or a 401K? You may want to consider taking money from that to help pay for rehab.
  • Financing Programs - Many addiction treatment facilities partner with companies that offer financing options. This could be a great option for you if you don't have health insurance.

Northpoint Recovery Partners with UMR for Drug Rehab Benefit Determination

If you choose to come to NorthPoint Recovery for drug rehab, you'll find that we regularly work with UMR to maximize your benefits for drug rehab and alcohol rehab. We're eager to offer you the assistance you need to get started with your drug treatment.

If you would like us to help you determine your benefits, please fill out our convenient onlineinsurance verificationform. We will be happy to help you get the addiction treatment you need.

Talk to a Rehab Specialist

Our admissions coordinators are here to help you get started with treatment the right way. They'll verify your health insurance, help set up travel arrangements, and make sure your transition into treatment is smooth and hassle-free.

(888) 280-3348 Contact Us