Is UMR Good Insurance: Everything You Need To Know

When it comes to accessing mental health services like therapy, having the right insurance coverage can make a significant difference.

United Medical Resources (UMR), a third-party administrator under the UnitedHealthcare Group, plays a crucial role in providing administrative support for healthcare expenses.

But is UMR good insurance for therapy?

an image illustration of Is UMR Good Insurance: Everything You Need To Know
Is UMR Good Insurance: Everything You Need To Know.


Let’s break it down.

Understanding UMR Coverage for Therapy

UMR acts like health insurance for individuals, covering mental health services, including therapy.

However, the extent of coverage varies, as UMR serves multiple companies nationwide.

To determine your benefits, it’s essential to refer to your company’s Summary of Benefits document, which outlines coverage rates for healthcare services.

To check if your UMR plan covers therapy, locate the “mental health services” section in your Summary of Benefits.

Individual therapy, often categorized as an outpatient service, falls under this section. If you’re struggling to find the document, reach out to your company’s HR contact for assistance.

Cost of Therapy with UMR

The cost of therapy sessions with UMR depends on factors like location, company, and plan.

Generally, sessions may range from $20 to $120. Opting for in-network therapists within UMR’s provider network can be more cost-effective, with potential copays as low as $20.

Out-of-network therapists may incur a higher copay, coupled with 5% of the session fee.

Preauthorization may be necessary to access coverage benefits.

This involves seeking permission from UMR before starting therapy. Refer to your Summary of Benefits or contact UMR for guidance on the preauthorization process.

Covered Mental Health Conditions and Therapies

UMR plans cover a broad range of mental health conditions, such as depression, anxiety, and career stress.

To access coverage, a therapist’s diagnosis is typically required.

UMR covers evidence-based therapies provided by credentialed mental health professionals, including popular approaches like Cognitive Behavioral Therapy (CBT) and Dialectical Behavioral Therapy (DBT).

However, UMR does not cover certain therapies, such as life coaching, career counseling, aromatherapy, or holistic treatments like massage therapy and non-medically required acupuncture.

Online Therapy and Couples Therapy Coverage

UMR typically covers online therapy, offering flexibility for remote sessions.

Copayments or coinsurance rates for online therapy are usually consistent with in-person visits, as outlined in the Summary of Benefits.

Couples therapy coverage depends on the specific UMR plan, location, and employer.

While many insurance plans do not cover couples therapy, UMR plans may offer this benefit.

Navigating the Preauthorization Process

Many UMR plans may require preauthorization before starting therapy.

This involves an assessment by a primary doctor and a referral for mental health services.

Check if your plan is a Preferred Provider Organization (PPO) or Health Maintenance Organization (HMO) to determine if a referral is necessary.

In conclusion, UMR can be a good insurance option for therapy, providing coverage for a wide range of mental health conditions and evidence-based therapies.

Understanding your specific plan details, reviewing the Summary of Benefits, and navigating any preauthorization requirements are essential steps to make the most of your UMR coverage.

Choosing the Right Therapist for You

Selecting the right therapist is crucial for effective mental health treatment.

While UMR provides valuable coverage, the choice of therapist also impacts your experience.

Consider factors such as their expertise, therapeutic approach, and compatibility with your needs.

Don’t hesitate to ask questions and discuss your preferences with potential therapists.

A positive therapeutic relationship enhances the overall effectiveness of your mental health journey.


Q: Does UMR cover therapy services?

A: Yes, UMR provides coverage for mental health services, including therapy.

Q: How can I check if my UMR plan covers therapy?

A: Refer to your Summary of Benefits document, provided during onboarding or annually. Look for “mental health services” to determine coverage rates.

Q: What is the cost of therapy with UMR?

A: Therapy costs vary based on location, company, and plan. Generally, expect to pay between $20-$120 per session.

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