What is UMR Health Insurance? Find out What It Is and Why You Should Care

What is UMR Health Insurance?

An image to illustrate UMR Insurance
UMR is a third-party administrator that helps your employer manage your health plan. But what does that mean for you? Discover the benefits of UMR health insurance and how it can improve your well-being/PHOTO: Files

Health insurance is a complicated and confusing topic for many people.

There are so many options, plans, providers, and terms to understand.

But one name that you might have heard of is UMR. What is UMR health insurance and why should you care?

This article, explains everything you need to know about UMR, and how it can benefit you and your employer.

What is UMR Health Insurance?

UMR is not an insurance company, but a third-party administrator (TPA) that works with self-funded employer groups.

This means that your employer pays for your health care costs directly, instead of paying premiums to an insurance company.

UMR helps your employer manage and administer your health plan, by:

  • processing your claims
  • providing customer service
  • negotiating discounts with providers
  • offering wellness programs and tools

Why Should You Care About UMR Health Insurance?

UMR health insurance has several advantages for you and your employer.

Here are some of them:

  1. You have access to a large network of providers, including UnitedHealthcare’s network, which is one of the largest and most diverse in the country. You can also choose out-of-network providers, but you may pay more out of pocket.
  2. You have more flexibility and control over your healthcare choices, as you can customize your plan according to your needs and preferences. You can also use online tools and resources to manage your health and benefits, such as the UMR website and app.
  3. You can save money on your health care costs, as your employer can negotiate lower rates with providers, pass on the savings to you, and avoid paying taxes and fees that insurance companies have to pay. You can also take advantage of wellness programs and incentives that can help you stay healthy and prevent chronic conditions.
  4. You get to enjoy better quality and service, as UMR has more than 65 years of experience in delivering solutions for self-funded employer groups. UMR has a high customer satisfaction rating and a dedicated team of experts who can help you with any questions or issues you may have.


UMR health insurance is a great option for you and your employer, as it offers more flexibility, control, savings, quality, and service than traditional insurance plans.

It is not an insurance company, but a third-party administrator that helps your employer manage and administer your health plan.

It has a large network of providers, online tools and resources, wellness programs and incentives, and a high customer satisfaction rating.

If you want to learn more about UMR health insurance, you can visit their website or contact their customer service.

UMR is here to help you take charge of your health and well-being.


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