Does UMR Cover Therapy?
Yes, nearly all UMR health care insurance plans cover therapy. Here's how to find a therapist, counselor, or mental health professional who takes the UMR plan.
If you're seeking UMR therapy coverage options, you can quickly browse to see all the therapists who accept UMR in your area, and book sessions online for in-person or telehealth therapy appointments with counselors, therapists, and psychologists covered by UMR.
United Medical Resources (UMR), is a subsidiary and third party administrator for United Healthcare Services, a medical insurance provider.
UMR insurance therapy coverage
Under the Affordable Care Act (ACA), mental and behavioral health treatment must be covered as essential health benefits by U.S. healthcare plans, and UMR insurance is not an exception.
These mental health benefits include counseling and therapy, as well as inpatient mental and behavioral health care and substance abuse treatment.
Almost all mental disorders, as well as substance use disorders and alcohol and chemical dependency treatment, are covered by all ACA-compliant health insurance including UMR.
However, because health insurance coverage is based on medical necessity, UMR may have more limited coverage options for common life problems like couples and marriage counseling, career coaching, and general relationship issues.
Tips to find therapists and counselors who take UMR
If you’re looking for a way to find affordable therapy and quality mental health care, here are some tips on how to find affordable, low-cost—and even free—therapy.
For starters, you can browse all the therapists who accept UMR.
Many of the therapists on Monarch offer free 15-minute initial consultation sessions to make sure they are a good fit for your specific needs.
You can also browse therapists and counselors based on the insurance providers they accept.
The Monarch Directory by SimplePractice can help you find the right therapist for your needs, whether you're experiencing anxiety, depression, ADHD, or other mental health concerns.
Here are more tips to find a therapist who takes your health insurance.