Finding the right kind of treatment for a substance abuse rehab plan can be confusing and frustrating. This is especially true when you have so many different types of plans to consider. Add to that the challenges that may come along with it when it comes to getting your insurance plan to cover it. There are quite likely just as many if not more different policies that can cover your drug and alcohol rehab needs so it is extremely important that you understand how these different types of policies work when it comes to getting into the right program.
What Is a UMR?
One such program that may cause many people confusion is the UMR. While on the surface it may present itself as a health insurance provider, in fact the services you’ll get from a UMR do not directly come from them. A UMR actually serves as a third-part administrator instead. Rather than providing you the coverage you need their role is to find the right treatment program for your particular condition matching you to a specific plan that will meet your needs.
While it is not an actual insurance company, UMR’s work with over 3,000 different health care providers within their network. They specialize in finding a number of treatment options that are available that you may not be aware of. This way you can get the kind of coverage that will best fit your particular needs.
They also work well as a representative on your behalf if your insurance provider does not cover your treatment plan. Because of their extensive knowledge about drug and alcohol abuse and how the rehabilitation programs can be of a major benefit mentally, emotionally, and even financially they can be very persuasive when it comes to convincing your insurance company of the need to provide this type of coverage.
Length of Coverage
Insurance providers that are listed with the UMR aren’t required to specify how long a treatment is expected to be. Part of the reason for this is that in most cases the type of treatment and length is confidential. Without a pre-set amount of time for a particular treatment plan, the insurance company, patients, and medical professionals can all work together to determine an appropriate length of treatment that will be individualized specifically to you.
They do not offer any treatment themselves and may not set out a long set of rules that the carriers must follow but they do set out a list of basic guidelines that will help the carrier and the patient to determine which treatment will be best for them.
How They Handle Inpatient Vs. Outpatient Treatment
They can also assist in determining whether there is a need for inpatient or outpatient services. Recognizing that each situation is different, they can assess your current situation and guide you in the direction that will be best for you. Outpatient care may sometimes be difficult to find coverage for while residential care may be much simpler.
UMR is much more capable of finding those kinds of treatments that may not be so readily available. This way you’ll stand a greater chance of finding the treatment that you will fit you best.
Assistance In Understanding Your Plan
Insurance plans can often be very confusing and frustrating to read and understand. The language of your plan, the finer points of your agreement, and just the cost of the fees can all be complicated when you’re dealing with a sensitive situation like drug and alcohol abuse.
Working with a UMR network can be very instrumental in helping you to determine exactly how much coverage you actually have to work with. They can assist you in deciding about your particular payment plans so you’ll know exactly what you’ll have to pay and how to pay it.
They may even be able to assist you to find medical discount services that may apply in your particular case. Some for example, may be able to get discounts for age, student discounts, or even for some disabilities. Whatever your individual circumstances may be their service may prove to be invaluable in finding a way to cut costs when you’re facing a point where your insurance carrier will not carry.
For cases when a patient may have to pay out-of-pocket for their substance abuse treatment a UMR may be the one thing you need to assist you in getting a credit approval. Rather than having to pay the full dollar sum up front, getting a payment plan may be the only thing that is keeping you from getting the help you need when you need it most. They will know where to go and what services will be able to issue a line of credit to cover your medical expenses rather than forcing you to wait until you have enough cash on hand.
Finally, a UMR can be very instrumental in finding charitable organizations willing to make donations for services that may not be covered in your insurance plan. Finding an organization that is willing to reach out and donate the needed funds to get a patient into the program that they prefer may be the only way that some will be able to get the treatment they need to recover.
The truth is that getting rehab for an addict is a difficult process to go through. A person may truly want to get the help that is needed to overcome substance abuse but without the right kind of guidance and direction the individual may not be able to find it. Having a UMR as a mediator that will work between you and the treatment centers as well as the insurance provider can be very effective in handling problems that are too much for one person to handle on his or her own. With someone to help guide you in the right direction for the proper recovery it could make all the difference for someone who is truly struggling with such a problem. It can be one of the most difficult challenges that you may have to face but with a reliable mediator working on your behalf you can win the battle against substance abuse, save your life and your financial situation all at the same time.