Prosperity Haven Ohio

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UMR Health Insurance Coverage for Drug and Alcohol Rehab


Yes. UMR insurance covers drug rehab.

Learn more about UMR's addiction treatment coverage at Prosperity Haven.

UMR For Drug & Alcohol Rehab In Ohio

Does UMR Insurance Cover Drug Rehab?

As a third-party administrator (TPA) for UnitedHealthcare, UMR (United Medical Resources) helps to cover a wide range of addiction treatments. As the largest TPA in the United States, UMR serves more than 3800 benefits plans and over 5 million Americans. 

Fortunately, various private rehabs accept UMR insurance in the state of Ohio — including Prosperity Haven — to ensure that you can access the addiction recovery care you need.

UMR insurance strives to make the health care system as simple as possible for clients. They help you navigate your insurance plan and maximize your coverage, so you can focus on what matters most – your health and recovery.

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Treatments Included in UMR Insurance Coverage for Rehab


If your doctor has determined that drug or alcohol rehab is medically necessary to treat your condition, you can work together with UMR health insurance and Prosperity Haven to get covered substance abuse treatment. Health insurance providers are required under the Affordable Care Act to treat substance abuse coverage like any other medical intervention.

The following addiction programs are usually covered, at least partially, by most health insurance plans:

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Often the first step in addiction treatment, detox is the process of cleansing all traces of drugs or alcohol from the body. Due to the dangers of withdrawal, clients need to detox in a medically controlled environment. A giant step in the right direction, drug and alcohol detox is the beginning phase of an individual’s journey to recovery.

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Residential inpatient treatment programs are designed to provide clients with a highly supportive environment and the tools they need to build a life of sobriety. Individual counseling, group therapy, and family therapy form the basis of inpatient rehab, helping clients build a new life from the ground up.

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Recommended for clients transitioning from an inpatient treatment program, partial hospitalization (PHP) keeps clients focused on their recovery at a drug rehab center during the daytime. In PHP, clients continue to build the skills they need to maintain life-long sobriety with workshops in career development, financial planning, health, and more.

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Outpatient addiction treatment expands upon the work done during residential rehab. Clients live independently, while still receiving the support and guidance they need to stay sober, including individual counseling, group therapy, relapse prevention education, and life skill workshops.

Which Addictions Are Commonly Covered by UMR Health Insurance?


Does UMR insurance cover alcohol rehab? Opioid addiction treatment? As substance use disorder becomes more recognized as a disease and the stigma of addiction and drug rehab diminishes, more health insurance plans are open to covering treatment.


Addiction rehab for the following substances is usually covered by insurance:

If you have a diagnosed substance use disorder or your primary care physician determines that drug or alcohol rehab is the best course of action for you, UMR will likely cover a substantial portion of the cost.

Drug and alcohol rehab covered by UMR varies from person to person, based on their specific health insurance policy, the level of their addiction, and the extent of addiction treatment they require. 

At Prosperity Haven, we believe nothing should stand in your way of receiving treatment. We are here to guide you in verifying your specific insurance coverage and calculating any expected out-of-pocket costs. We will work closely with your UMR insurance provider to ensure that you receive maximum coverage.

Man diagnosed with substance use disorder asks, does UMR insurance cover drug rehab at Prosperity Haven?

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Does UMR Insurance Cover Co-Occuring Disorders?

Individuals struggling with a drug or alcohol addiction often suffer from a mental health disorder as well. Does UMR insurance cover addiction treatment in tandem with mental health therapies? Fortunately, UMR typically helps to cover a dual diagnosis treatment plan.

Mental health and addiction are deeply intertwined. To be successful, drug rehab needs to address both sides of the dual diagnosis. Treating one side without the other makes recovery all the more difficult. 

According to a survey conducted by SAMHSA, approximately 21.5 million Americans struggle with a dual diagnosis. Prosperity Haven understands the importance of addressing mental health issues together with a substance use disorder in an integrated treatment plan.

The following mental health disorders often accompany drug or alcohol addiction:

Common Mental Health Disorders that Accompany Addiction:

  • Depression
  • Anxiety; Generalized Anxiety Disorder (GAD)
  • Trauma; Post-Traumatic Stress Disorder (PTSD)
  • Attention-Deficit Hyperactive Disorder (ADHD)
  • Obsessive Compulsive Disorder (OCD)
  • Borderline Personality Disorder

Common Therapies Covered by UMR Health Insurance


Rehabs that accept UMR insurance typically incorporate a variety of therapy and counseling treatments. At Prosperity Haven, we employ a blend of both standard and holistic therapy modalities.

The following is a partial list of popular addiction therapies offered at Prosperity Haven Treatment Center:

Medication-assisted treatment (MAT)

Cognitive behavioral therapy (CBT)

Dialectical behavior therapy (DBT)

Eye movement desensitization and reprocessing (EMDR)

Trauma therapy

Sampoorna yoga

Biodynamic craniosacral therapy


Art therapy

Man receives addiction treatment at Prosperity Haven after verifying, does UMR insurance cover drug rehab?

In keeping with our mission at Prosperity Haven, we select addiction treatments and therapies that aim to reveal the courage and value of each individual. Treatment methods are evaluated and considered in collaboration with the client to ensure the most positive and successful outcome of his rehab journey.

Does UMR Insurance Cover Drug Rehab in Ohio?

Generally speaking, UMR can and does cover rehab in the state of Ohio. Whether or not you can receive coverage, and the extent of your coverage, will depend on the nature of your substance abuse and your specific insurance policy. 


Most UMR plans in Ohio are HMO, PPO, or HMO-POS. HMO plans only offer coverage for clinics and providers within a predetermined network. If you want to receive treatment at a rehab clinic outside of your network, an HMO plan will not cover the cost. Alternatively, if you have a PPO or HMO-POS plan, you may have a larger network than a standard HMO plan. Moreover, PPO and HMO-POS plans with UMR typically provide a reduced amount of coverage for out-of-network care.

In short, your UMR health insurance will likely only cover rehab at specific facilities. The amount of coverage you can receive and the number of facilities you can choose from will depend on the specific type of insurance plan.

Insurance Plan Type





reduced coverage


reduced coverage

Payment Options For Drug Rehab Not Covered By UMR Insurance

It’s important to anticipate any out-of-pocket costs you may face when entering rehab with a UMR health insurance plan, regardless of the clinic you choose. Premiums and deductibles can vary based on your location, your health, and the type of health insurance plan you have through UMR.

Prosperity Haven strongly believes that finances should never stand in the way of seeking help for alcohol or drug abuse. We will clarify your insurance policy benefits, explain any expenses that insurance doesn’t cover, and make it our priority to make treatment affordable for you or your loved one.

A man suffering from addiction wonders does UMR insurance cover drug rehab at Prosperity Haven

Explore the following payment alternatives:

Payment Plans

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Many drug rehab facilities offer payment plans to help finance treatment, instead of requiring you to pay one large sum immediately. Some addiction centers may also offer sliding-scale fees, based on your current income and resources.

Personal Financing

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You may decide that dipping into your savings is essential at this point on your road to recovery. Alternatively, you can reach out to close family members or friends who wish to lend or gift you out-of-pocket expenses necessary for rehab.



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There are various government grants and private organization grants available for individuals seeking substance abuse treatment.

Drug and Alcohol Rehab Covered By UMR Insurance at Prosperity Haven

Does UMR manage your health plan, benefits, and claims? Do you want to access drug or alcohol rehab without spending a fortune? Finally, are you looking for a high-quality rehab clinic that accepts UMR health insurance? If so, Prosperity Haven is the answer.

At Prosperity Haven, we offer everything you need to overcome your addiction and begin the path toward lifelong sobriety. Our trained staff are available to make you feel comfortable as you recover, while also helping to teach you the skills and coping mechanisms you need to avoid relapse. Plus, Prosperity Haven makes your privacy a top priority, ensuring that you can recover in an environment that is both peaceful and discreet.

Don’t let addiction run your life any longer. Reach out to Prosperity Haven Treatment Center today to learn more.

FAQs About UMR Insurance Coverage for Rehab

Known as Obamacare, the ACA is a health care reform law enacted in March 2010. The primary goal of the ACA is to make affordable health care accessible to more Americans.

There isn’t one answer to this question. UMR health insurance advocates their networks to evaluate each client and their addiction treatment needs on an individual basis.

It is illegal for your monthly health insurance premium to increase following drug rehab.

Yes, UMR doesn’t differentiate between drug rehab and alcohol rehab. Insurance coverage is intended for multiple types of substance abuse.

Complete our insurance verification form to start the confidential insurance verification process. Once we receive your information, one of our admissions specialists will reach out to your insurance provider and follow up with a detailed and straightforward summary of your coverage.

Other Common Insurances Prosperity Haven Works With: