UMR Rehab and Eating Disorder Coverage
Eating disorders affect millions of people all over the United States. These disorders can impact both your mental and physical health, as well as your relationships with others. In the worst cases, eating disorders can even be fatal. Fortunately, you can overcome an eating disorder by enrolling in a medical treatment program.
Before you enter a treatment program, it is a good idea to estimate your expenses and find out about any insurance benefits you may qualify to receive. If you have coverage through UMR, use the information below to find out how much you will pay for eating disorder treatment.
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What is UMR?
UMR is not a full-service insurer. Instead, it is a third-party administrator that works with employers who provide self-funded insurance plans to their employees. Employers who choose to work with UMR may receive assistance with plan design and administration, claims management, provider networks and more.
Do I Qualify for UMR Eating Disorder Coverage?
Because employers can customize the plans they create with UMR, determining whether you qualify for eating disorder treatment can be difficult. However, if your plan complies with the requirements of the Affordable Care Act, certain mental health services must be included. For specific information about your UMR Eating Disorder Coverage, read through your plan documents or contact your plan administrator for assistance.
After determining that you have UMR Eating Disorder Coverage, you should still consider the following variables as you estimate how much you will pay for treatment:
- Deductible - Most plans will conclude a deductible, which is the amount you must pay toward your own treatment each year before you plan will begin covering your expenses.
- Coinsurance - After meeting your deductible, you may be required to pay coinsurance. This is typically calculated as a set percentage of your bills.
- Network Requirements - Your plan may require you to use certain in-network doctors and facilities in order to qualify for the maximum amount of UMR Eating Disorder Coverage. Find out about these requirements before making any appointments.
- Out-of-Pocket Maximum - All plans will include an out-of-pocket maximum, which is the maximum amount you can expect to pay toward your own treatment expenses each year. Once you have reached this limit, all remaining covered expenses will be your plan's responsibility.
- Precertification - Some types of treatment may require advance permission from your insurer. This is known as "precertification."