Find a UMR Therapist

Medically reviewed by Gabriela Asturias, MD on May 23, 2025
Written by the MiResource team

UMR (formerly United Medical Resources) isn’t a traditional insurance company; it’s a third-party administrator owned by United Healthcare. 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.

  • Christopher Deviney, Licensed Clinical Social Worker (LCSW)

    Christopher Deviney

    Licensed Clinical Social Worker (LCSW)

    4909 Waters Edge Drive, Raleigh, North Carolina 27606

    Christopher Deviney is a Licensed Clinical Social Worker (LCSW) in Raleigh, North Carolina and has been in practice for 6 years. They treat Personal Growth, Burnout, Anxiety.

    I welcome all clients seeking to work together towards a better tommorow, one day at a time.

    View profile
  • Kelly Huffaker, Psychiatric Nurse Practitioner

    Kelly Huffaker

    Psychiatric Nurse Practitioner

    2460 West Ray Road, Chandler, Arizona 85224

    Kelly Huffaker is a Psychiatric Nurse Practitioner in Chandler, Arizona and has been in practice for 5 years. They treat Depression, Medication Concerns, Bipolar Disorder.

    Dedicated to fostering a supportive environment where individuals can find healing, understanding, & empowerment on their journey towards mental wellness.

    View profile
  • Benitho Louissaint, Advanced Practice Registered Nurse (APRN)

    Benitho Louissaint

    Advanced Practice Registered Nurse (APRN), Nurse Practitioner, Psychiatric Nurse Practitioner

    6197 South Rural Road, Tempe, Arizona 85283

    Benitho Louissaint is a Advanced Practice Registered Nurse (APRN) in Tempe, Arizona. They treat Borderline Personality, Anger Issues, Self-Esteem.

    We see clients of all genders, ethnicities, and cultures.

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  • Terese Herring, Licensed Mental Health Counselor (LMHC)

    Terese Herring

    Licensed Mental Health Counselor (LMHC)

    Remote only

    Terese Herring is a Licensed Mental Health Counselor (LMHC) in Tallahassee, Florida and has been in practice for 13 years. They treat Peer Difficulties, Women's Issues, Conflict Resolution.

    Whether you are struggling with depression, anxiety or feeling overwhelmed by the stressors of everyday life, it helps to know that help is available.

    View profile
  • Diana Beltran, Psychotherapist

    Diana Beltran

    Psychotherapist

    Remote only

    Diana Beltran is a Psychotherapist in undefined, undefined and has been in practice for 6 years. They treat Childhood Abuse, Sexual Assault, Social Anxiety.

    Hola! I am a bilingual Latina therapist that specializes in anxiety disorders, OCD, and trauma! Let's get control of your life back together!

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  • Brooke Bell, Licensed Professional Counselor (LPC)

    Brooke Bell

    Licensed Professional Counselor (LPC)

    2020 East Joyce Boulevard, Fayetteville, Arkansas 72703

    Brooke Bell is a Licensed Professional Counselor (LPC) in Fayetteville, Arkansas and has been in practice for 8 years. They treat Divorce, Social Anxiety, Self-Esteem.

    Let's get curious about your thoughts and feelings.

    View profile

Accessing care is your right, not a privilege. Let insurance be a bridge, not a barrier, to the support you deserve.

Gabriela Asturias, MD

How UMR Mental-Health Coverage Works

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

  • Unlimited medically necessary visits. UMR plans do not set a hard annual cap on therapy or psychiatry sessions
  • No referral for most plans. Many UMR summaries state “No” in the referral column for specialists, including mental-health care
  • Telehealth parity—often $0. Employers frequently waive the copay for virtual therapy and psychiatry delivered through Optum or a preferred vendor
  • Pre-authorization may apply. Some designs still ask for a quick OK before you start therapy

UMR Mental-Health Providers Types

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

Real-Life Use Case: How Rosa Found a Therapist That Takes UMR

Profile: Rosa, 29, graphic designer in Atlanta, covered by a UMR-administered PPO. She’s felt persistent sadness for three months.

  1. Day 1 – Portal Login Rosa opens UMR.com → “Find a Provider.” The tool lists behavioral-health clinicians in the Choice Plus network
  2. Day 1 – Smart Filters She selects “Telehealth,” “evening hours,” and “CBT,” which returns four therapists that take UMR within 10 miles—each marked “Accepting patients.”
  3. Day 2 – Cost Check Her cost-estimator tile shows $25 for office visits or $0 for network tele-therapy.
  4. Day 3 – First Video Visit She books a Thursday session with Dana Lopez, LCSW—an UMR in-network therapist experienced in depression care.
  5. Day 10 – Medication Consult Dana recommends that Rosa try medications in addition to therapy. Rosa schedules a 30-minute virtual check-in with an UMR psychiatrist the next afternoon (also $0).

Time from search to therapy: three days. Out-of-pocket cost: $0.


Step-by-Step: Booking Therapy Through UMR

  1. Sign in to UMR.com or call the toll-free number on your card.
  2. Choose Find a Provider → Behavioral Health (no referral needed for most plans)
  3. Filter the directory: Narrow by zip code, specialty (trauma, couples, ADHD), language, telehealth, or evening hours.
  4. Verify in-network status: Look for the green check or the phrase “In Network – United Healthcare Choice Plus.” If in doubt, phone the office—UMR recommends double-checking before every appointment.
  5. Check the cost: Use the cost-estimator link or ask the office to run an eligibility check. Expect $0–$40 per visit once any deductible is met.
  6. Confirm pre-authorization (if required): A minority of plans still need a quick approval code before the first session
  7. Book, complete intake forms, and add the appointment to your calendar.

In-Network vs. Out-of-Network: What Changes?

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

Digital & Telehealth Options

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.

Find care for you

Recovery is possible. With early intervention, a supportive community, and the right professional care, you can overcome challenges and build a fulfilling life. We’re here to help you find the support you need.

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