UMR Insurance

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What Is UMR Insurance?

UMR (United Medical Resources) is a subsidiary of UnitedHealthcare and is a third-party administrator (TPA) of health insurance plans. As a TPA, UMR administers self-funded health plans on behalf of employers, unions, and other organizations.

UMR’s services often include claims processing, network management, utilization review, customer service, and reporting and analytics. They work with a network of healthcare providers to ensure that plan members have access to a range of medical services.

It’s important to note that UMR primarily serves as an administrator, and the actual insurance coverage and benefits may be provided by the employer’s self-funded plan. They work in conjunction with employers to customize and manage the healthcare benefits for their employees.

Does UMR Cover Mental Health And Substance Use Treatment?

Yes, UMR (United Medical Resources) typically provides coverage for mental health and substance use treatment as part of the health insurance plans they administer. 

Coverage for mental health and substance use treatment may encompass services such as therapy, counseling, outpatient treatment, inpatient treatment, prescription medications, and other forms of behavioral health care. The specific details of coverage can vary based on the particular self-funded health plan provided by the employer.

If you or someone you know is seeking mental health or substance use treatment and are covered by UMR, it’s advisable to contact UMR or review the policy documents with a Pacific Bay Recovery admissions specialist to understand the specific details of your coverage, including any copayments, deductibles, or limitations that may apply.

What Is The Insurance Verification Process At Pacific Bay Recovery?

After we have verified your insurance coverage, you can expect the following process:


The first step for the individual seeking treatment, or a representative on their behalf, is to contact Pacific Bay Recovery. This can be done through a phone call, email, live website chat, or by filling out a contact form on our website.

Provide Insurance Information

They will be asked to provide their insurance information, which will include details like the insurance company name, policy number, group number, and the name of the insured.


Our admissions specialists will use this information to contact the insurance company and verify the coverage. They will inquire about the level of coverage for substance abuse treatment, including services such as detoxification, inpatient treatment, outpatient treatment, therapy, and medications.


Once the insurance coverage details are confirmed, Pacific Bay Recovery will share details with the individual about what services are covered, any co-pays or out-of-pocket expenses, and any other relevant information.

Discuss Financial Obligations

If there are any out-of-pocket expenses, Pacific Bay Recovery will discuss payment options which may include self-payment, payment plans, or other financial arrangements.

Treatment Planning

Based on the insurance verification results, the admissions team will work with the individual to create a treatment plan that aligns with all covered services.

Speak to One of Our Admissions Specialists to Learn More About Using Your UMR Coverage for Your Addiction Treatment Today!

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