Medically reviewed by Gabriela Asturias, MD on May 23, 2025UMR (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.
Psychiatrist
1600 Olive Chapel Road, Apex, North Carolina 27502
Vinay Saranga is a Psychiatrist in Apex, North Carolina. They treat Medication Concerns, Posttraumatic Stress Disorder (PTSD), Trauma.
Mental health disorders are unique. In addition to medication management, we offer TMS Therapy and IV Ketamine that can help when nothing else does.
Licensed Professional Clinical Counselor (LPCC), Licensed Professional Counselor (LPC), National Certified Counselor (NCC)
Remote only
Audrey Jung is a Licensed Professional Clinical Counselor (LPCC) in undefined, undefined and has been in practice for 30 years. They treat Life Transitions, Social Anxiety, Self-Esteem.
I help high-achieving adults in Arizona and California manage stress, anxiety, and life transitions, using techniques cultivated over the past 30 years.
Advanced Practice Registered Nurse (APRN), Nurse Practitioner, Psychiatric Nurse Practitioner
12035 North Saguaro Boulevard, Fountain Hills, Arizona 85268
Andrea Cook is a Advanced Practice Registered Nurse (APRN) in Fountain Hills, Arizona and has been in practice for 2 years. They treat Self-Esteem, Loneliness/Isolation, Men's Issues.
Dedicated to enhancing mental well-being through personalized medication management, fostering a balanced and healthy life for every individual.
Licensed Professional Counselor (LPC)
114 West Main Street, Mesa, Arizona 85201
Emily Holton is a Licensed Professional Counselor (LPC) in Mesa, Arizona and has been in practice for 10 years. They treat Relationship(s) with Partner/Husband/Wife, Grief and Loss, Burnout.
I provide a warm, nourishing, solution oriented approach to help clients experience lasting change outside of the therapy office.
Certified Trauma Professional, Licensed Clinical Social Worker (LCSW)
Remote only
Tiffany Baker-Chapman is a Certified Trauma Professional in undefined, undefined and has been in practice for 9 years. They treat Attention Deficit Hyperactivity Disorder (ADHD), Gender Identity, Racial/Cultural Oppression or Trauma.
I believe that everyone deserves to be seen, heard, & validated. I am here to support you in your mental health journey. Virtual Appts ONLY.
Counselor, Licensed Professional Counselor (LPC)
221 North East Avenue, Fayetteville, Arkansas 72701
Edward Crews is a Counselor in Fayetteville, Arkansas and has been in practice for 4 years. They treat Chronic Illness/Pain, Polyamorous relationship, Sex Addiction/Pornography Concerns.
I am a licensed professional counselor open to working with anyone facing obstacles related to depression, anxiety, trauma, and other challenges.
Accessing care is your right, not a privilege. Let insurance be a bridge, not a barrier, to the support you deserve.
— Gabriela Asturias, MD
| 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
| 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 |
Profile: Rosa, 29, graphic designer in Atlanta, covered by a UMR-administered PPO. She’s felt persistent sadness for three months.
Time from search to therapy: three days. Out-of-pocket cost: $0.
| 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 |
| 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.
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.
