UMR is a UnitedHealthcare-owned third-party administrator that manages self-funded employer health plans. UMR-administered plans typically follow UHC medical necessity criteria for behavioral health, which means detox, drug rehab, mental health, and outpatient rehab are all covered when medically necessary.
Direct answer
UMR is a UnitedHealthcare administrator. UMR-administered plans typically cover medically necessary detox, drug rehab, mental health treatment, and outpatient rehab following UHC medical necessity criteria. Specific benefits vary by employer plan design. Real Deal verifies UMR benefits before you start.
UMR (originally United Medical Resources) is one of the largest third-party administrators in the U.S. and has been owned by UnitedHealth Group since 2003. UMR administers benefits for self-funded employer groups — meaning your employer pays claims, but UMR (using UHC's network and criteria) handles administration, provider networks, and authorization.
UMR covers behavioral health at every level of care under federal parity law. Here’s what that means, level by level.
UMR-administered plans typically cover medically necessary detox using UHC medical necessity criteria. Coverage includes withdrawal management, monitoring, and stabilization for alcohol, benzo, and opioid withdrawal.
Typical requirements
UMR plans typically cover drug and alcohol rehab at multiple levels of care. Because plans are self-funded, specifics like copays, coinsurance, and prior auth requirements can vary by employer.
Typical requirements
UMR plans cover outpatient mental health treatment under federal parity law. Coverage includes therapy, psychiatric services, and medication management for depression, anxiety, PTSD, and other diagnoses.
Typical requirements
UMR plans typically cover PHP and IOP under UHC medical necessity criteria. Concurrent review is standard.
Typical requirements
Not sure what plan you have? Grab your card and call 469-747-1201. Verification is free and takes about 15 minutes — we’ll tell you your estimated out-of-pocket before you commit.
Free confidential verification. About 15 minutes. We tell you the estimated cost before you start.
Call 469-747-1201
We work with the plans below. If yours isn’t listed, call anyway — we probably still work with you.
“Real Deal is without a doubt the most structured and therapeutic rehab program I have ever attended. It has brought me to one year in sobriety and I don't know what I would have done had I not participated in the program. I highly recommend Real Deal to anyone struggling with alcohol and/or drugs. It's amazing. Just try it and you will see for yourself!”
“Realdeal wellness and therapy will always have a special place in my heart for all the opportunities and care they've provided. They helped pave the way for me to achieve sobriety and build a better life for myself and when I needed them the most they were there in a heartbeat. Extremely grateful for their services and the environment they provide for recovery.”
“Real deal is a truly rare place that has instrumental in my rehabilitation. The staff truly cares deeply about you and wants you to succeed. Also Real Deal is one of not many outpatient rehab places that takes primary mental health cases. Highly recommend this place and thank you to everyone who helped me.”
“I love all of these guys. These guys made me feel better. They made me think better. I don't feel those ways anymore. Before I came here, I was certain I wouldn't be alive for much longer. These guys fixed that.”
“The Real Deal is an incredible program that prioritizes accessibility more than almost any other PHP, IOP, and Housing program. With housing fees at lower price point than a majority of sober livings, the option to have your pet with you, and a supportive recovery community, they really do try to eliminate barriers to care as much as possible.”
“Real Deal is different then the others. It offers flexible support for recovery, allowing you to live at home while attending therapy and counseling sessions. It's designed to fit your schedule and provides tools to maintain sobriety and prevent relapse. The focus on mental health is a great way to get to the root of what's gone wrong time and time again. Cannot recommend enough!”
“Real Deal is full of people who are passionate in helping others obtain and maintain their sobriety. They are always willing to lend a helping hand without judgement. They also have employees with real world experience using their own experiences to help others heal.”
Straight answers before you call.
UMR is a UHC-owned administrator. UMR-administered plans typically follow UHC medical necessity criteria closely, but specific benefits (copays, coinsurance, deductibles, prior auth rules) are set by the employer.
Almost always yes for medically necessary care, because federal parity applies. Specifics depend on your employer's plan design.
Usually Optum, the UnitedHealth Group behavioral health arm.
