Whether you’re wondering about drug rehab umr insurance accepted by treatment centers or simply need clarity on your coverage, you’ve come to the right place. At Kemah Palms Recovery, we partner with UMR—a third-party administrator for UnitedHealthcare and other providers—to help you navigate your benefits and focus on healing.
This guide walks you through how UMR coverage works, how to confirm plan acceptance at our facility, and what options you have for detox, inpatient, or outpatient care.
Understand UMR coverage
UMR (United Medical Resources) is not an insurance company but a third-party administrator that manages benefits on behalf of employers and insurers like UnitedHealthcare. As the largest TPA for UnitedHealthcare, UMR serves more than 5 million members across 3,800 benefit plans [1].
Under the Affordable Care Act, health plans must cover substance use disorder treatment to the same extent as other medical and surgical services [2]. That means detox, residential care, partial hospitalization, and intensive outpatient programs are typically eligible for coverage when deemed medically necessary.
Confirm plan acceptance
Before you make arrangements, verify that Kemah Palms Recovery is in-network or otherwise approved by UMR. You can:
- Call UMR’s customer service number on your insurance card
- Ask your employer’s benefits coordinator for network details
- Contact our admissions team to verify coverage directly
We accept UMR-administered plans for a full range of services, including:
- Drug detox programs [3]
- Residential and inpatient rehab [4]
- Outpatient treatment [5]
Review coverage specifics
Coverage details often vary based on your plan type (HMO, PPO, POS), your deductible, coinsurance rates, and any annual or lifetime limits. Use this table to get a general sense of what you might expect:
| Treatment type | Possible coverage | Notes |
|---|---|---|
| Detoxification programs | 80–100% after authorization | May require pre-certification and medical necessity documentation |
| Residential inpatient rehab | 70–90% under inpatient benefits | Length of stay varies by plan; longer stays may need additional approval |
| Partial hospitalization | 50–80% as intensive outpatient benefit | Often billed per day or session |
| Outpatient programs | 60–85% under outpatient mental health | Copays per visit or per session may apply |
To get precise figures for your plan, review your policy documents or call UMR before your first appointment.
Explore treatment options
Kemah Palms Recovery offers a supportive environment with tailored treatment programs designed to meet your unique needs. Your options include:
- Medically supervised detox to manage withdrawal safely
- Residential rehab with individual therapy, group counseling, and holistic modalities
- Intensive outpatient programs with flexible scheduling for work or family obligations
Each program emphasizes comprehensive care and individualized plans so you can build lasting recovery skills.
Plan for potential costs
Even with in-network coverage, you may be responsible for certain out-of-pocket expenses:
- Deductibles—your share before coverage kicks in
- Coinsurance—a percentage of the cost you pay after meeting the deductible
- Copays—fixed fees per service or visit
- Coverage caps—limits on days or dollar amounts each year
To estimate your financial responsibility, request an itemized benefits breakdown from UMR or ask our admissions team for an insurance benefits check.
Access financial assistance
If you face gaps in coverage, you still have options:
- Flexible payment plans tailored to your budget
- Sliding-scale fees based on income and household size
- Facility-based scholarships or grants
- Assistance from nonprofit organizations that fund addiction treatment
Our financial counselor can walk you through these alternatives and help reduce barriers to care.
Recovery is within reach—even with a specialty or mid-tier insurer. Start by confirming your coverage, then let our team at Kemah Palms Recovery guide you toward the treatment you deserve. Contact us today to verify your benefits and take the first step toward a healthier future.
