Therapists Accepting United Medical Resources (UMR)

UMR's behavioral health benefit design depends on your specific employer's self-insured plan. Most UMR plans cover individual therapy at 80-100% of the allowed amount after meeting deductibles, with copays between $20-$45 per visit for in-network providers. Virtual therapy visits are reimbursed at the same rate as in-person appointments.

Prior authorization for routine outpatient therapy is typically not required under UMR plans. This streamlined approach allows you to begin treatment immediately without administrative delays. UMR's back-end systems are designed for efficient authorization and claims processing.

Telehealth behavioral health coverage through UMR is comprehensive. Most plans cover virtual therapy at the same copay and deductible application as in-person visits, with no geographic restrictions. UMR has actively promoted telehealth access, recognizing its value for access and convenience.

Out-of-network behavioral health benefits through UMR typically provide 50-70% coinsurance after a higher deductible. UMR can provide "reasonable and customary" fee estimates for out-of-network providers, helping you understand potential balance-billing costs before seeking outside network care.

UMR covers all major evidence-based therapy modalities without clinical restrictions. Cognitive Behavioral Therapy (CBT), Dialectical Behavior Therapy (DBT), trauma-focused therapies, and acceptance-based approaches are all standard covered services. UMR's approach emphasizes access to evidence-based care.

Substance abuse and addiction treatment are comprehensively covered by UMR plans. Coverage includes Medication-Assisted Treatment (MAT), intensive outpatient programs, individual counseling, and group therapy. Many UMR-managed plans have specifically expanded addiction treatment benefits.

Family and couples therapy are covered by UMR plans without requiring individual diagnoses for each participant. Multi-person session codes (90846-90847) are clearly reimbursable. Many UMR-managed plans recognize relational therapy as an important component of comprehensive mental health coverage.

Psychological and neuropsychological testing for ADHD, autism, learning disabilities, and complex mental health conditions are covered by most UMR plans. Testing typically requires prior authorization, which UMR processes efficiently within 2-5 business days. Coverage for assessment is comprehensive, recognizing the diagnostic value of formal testing.