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.
Psychotherapist
Remote only
Diana Beltran is a Psychotherapist in undefined, undefined and has been in practice for 6 years. They treat Anxiety, Social Anxiety, Women's Issues.
Hola! I am a bilingual Latina therapist that specializes in anxiety disorders, OCD, and trauma! Let's get control of your life back together!
Psychiatrist
780 Regent Street, Madison, Wisconsin 53715
Theodore Klimek is a Psychiatrist in Madison, Wisconsin. They treat Alcohol Use, Depression, Anxiety.
The best of mental healthcare in one place. At Geode, we combine full-spectrum psychiatry and talk therapy to better meet changing patient needs.
Psychiatrist
1600 Olive Chapel Road, Apex, North Carolina 27502
Vinay Saranga is a Psychiatrist in Apex, North Carolina. They treat Posttraumatic Stress Disorder (PTSD), Personality Disorders, Attention Deficit Hyperactivity Disorder (ADHD).
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 Self-Esteem, Performance Anxiety, Anger Issues.
I help high-achieving adults in Arizona and California manage stress, anxiety, and life transitions, using techniques cultivated over the past 30 years.
Counselor, Psychotherapist, Psychologist
Remote only
Robert Buzan is a Counselor in undefined, undefined. They treat Burnout, Schizoaffective, Suicidal Ideation.
I am a clinical psychologist with extensive experience working with college students via telehealth. I welcome clients of all backgrounds.
Licensed Professional Counselor (LPC)
1600 West Chandler Boulevard, Chandler, Arizona 85224
Emily Holton is a Licensed Professional Counselor (LPC) in Chandler, Arizona and has been in practice for 10 years. They treat Life Transitions, Academic Concerns, Relationship(s) with Parents/Children/Family.
I provide a warm, nourishing, solution oriented approach to help clients experience lasting change outside of the therapy office.
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.
