Medically reviewed by Gabriela Asturias, MD on June 24, 2024UMR (formerly United Medical Resources) isn’t a traditional insurance company; it’s a third-party administrator owned by UnitedHealthcare. That means your employer designs the benefits and UMR handles the claims. In practice, though, you still need to know which clinicians are in network, what therapy or psychiatry will cost, and how to book care quickly. This roadmap breaks the process into clear, actionable steps so you can move from symptoms to your first session with a qualified UMR therapist—no jargon, no dead ends.
Audiologist, Massage Therapist, Neuropsychologist, National Certified Counselor (NCC)
330 West Bell Road, Phoenix, Arizona 85023
Clementine Meadows is a Audiologist in Phoenix, Arizona. They treat Cognitive Functioning, Avoidant/Restrictive Food Intake Disorder, Childhood Abuse.
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| Typical Plan Design* | Outpatient Therapy & Medication-Management Cost | Key Points |
|---|---|---|
| PPO / Open-Access (most self-funded employers) | $0–$40 copay per visit, or 20 % after deductible on high-deductible options | Mental-health benefits are integrated with medical; no separate deductible |
| High-Deductible / HSA | 20 % after deductible, then $0–$40 | Same benefits, different timing of cost share |
| UMR-administered Medicaid (limited states) | $0 copay | Unlimited medically necessary visits |
| Retiree or COBRA (UHC Choice Plus network) | Mirrors active-employee design; check your Summary of Benefits |
*Every UMR plan is employer-specific. Always open your Summary of Benefits or call the number on your card to confirm exact figures.
Coverage fast facts
| Provider Type | What They Do |
|---|---|
| Therapist / Counselor (LCSW, LMFT, LPC) | Weekly talk therapy, coping skills, family sessions |
| Psychologist (PhD, PsyD) | Psychological testing, trauma-focused modalities |
| Psychiatrist (MD/DO) | Diagnosis, medication management, complex cases |
Profile: Rosa, 29, graphic designer in Atlanta, covered by a UMR-administered PPO. She’s felt persistent sadness for three months.
Time from search to therapy: three days. Out-of-pocket cost: $0.
| Feature | In-Network (recommended) | Out-of-Network (PPO only) |
|---|---|---|
| Copay / Coinsurance | $0–$40 or 20 % after deductible | 40–60 % of allowed amount + balance bill |
| Claims Filing | Provider files | You file |
| Pre-authorization | Sometimes | Often |
| Coordination with medical record | Seamless | Limited |
| Platform | Services | Typical Cost | Who’s Eligible |
|---|---|---|---|
| Optum Virtual Care | Video therapy & psychiatry | $0–$40; many plans $0 | Most UMR PPO & HSA designs |
| Employer-added EAP | 3–8 free counseling visits per issue | $0 | Many Fortune 500 employers |
| Self-guided tools | Mindfulness, CBT modules, mood tracking | $0 | All UMR members via Optum portal |
Tele-visits count toward your deductible and out-of-pocket max just like office visits.
| Setting | PPO / HMO | High-Deductible | Medicare-secondary (if any) |
|---|---|---|---|
| In-office therapy (45 min) | $0–$40 copay | 20 % after deductible | 20 % (Medigap may pay) |
| Network tele-therapy | Often $0 | Deductible, then $0 | Same as above |
| Initial psychiatry evaluation | $40–$60 copay | 20 % after deductible | 20 % |
If the first clinician that you try working with isn’t a fit, reopen the directory and try a different provider. Switching therapists that take UMR is penalty-free.
Here’s a more user-friendly, action-oriented version of that section for someone trying to get mental health care with UMR insurance:
If you're running into long wait times, here are steps you can take to speed things up:
Persistence—and keeping detailed notes—can make all the difference in getting care sooner.
If you're running into long wait times, here are steps you can take to speed things up:
Keep a Log: Write down every call you make—include the date, who you spoke to, and the next available appointment they offered.
Call for Help Finding a Sooner Spot: Ask UMR to connect you with a Care Coordinator or Optum Behavioral Health representative. They can search for cancellations or other in-network options.
Request a Timely Access Waiver: If you’re being told to wait too long, ask for a network adequacy or parity exception. Federal law requires UMR to help you access care within a reasonable timeframe.
File a Complaint: If you're not getting the help you need, log in to your UMR member portal and submit a formal complaint. The plan must respond in writing within 30 days.
Persistence—and keeping detailed notes—can make all the difference in getting care sooner.
Does UMR cover therapy? Yes. Outpatient therapy with licensed, in-network clinicians is an essential benefit; typical cost $0–$40 or 20 % coinsurance after deductible.
How do I find therapists that take UMR near me? Sign in to UMR.com → Find a Provider → Behavioral Health, enter your ZIP, and filter for “In Network.”
What’s the difference between a UMR therapist and a UMR psychologist? “Therapist” (LCSW, LMFT, LPC) is a broad counseling designation. “Psychologist” (PhD/PsyD) can also perform testing. Both are covered if in network.
Are UMR psychiatrists accepting new patients? Many are—especially via Optum Virtual Care. Use the “Accepting patients” filter and consider tele-slots.
Will my virtual session count toward my deductible? Yes. Telehealth visits apply to the same deductible and out-of-pocket max as office visits.
Remember, recovery is possible. With early intervention, a supportive network, and the right professional care, you can overcome the challenges of UMR and build a fulfilling life. We are here to help you find care.
