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.
Psychiatric Nurse Practitioner
9000 West Chester Street, Milwaukee, Wisconsin 53214
Carla Weismantel is a Psychiatric Nurse Practitioner in Milwaukee, Wisconsin. They treat Eating Concerns, Trauma, Depression.
The best of mental healthcare in one place. At Geode, we combine full-spectrum psychiatry and talk therapy to better meet changing patient needs.
Psychiatric Nurse Practitioner, Education Specialist (EdS), Licensed Mental Health Practitioner (LMHP), Advanced Practice Registered Nurse (APRN)
Remote only
Solace Healthcare Services PLLC is a Psychiatric Nurse Practitioner in undefined, undefined and has been in practice for 15 years. They treat Grief and Loss, Panic, Women's Issues.
Our mission is to support each individual in achieving optimal mental wellness through evidence-based & patient-centered integrative psychiatric practices
Licensed Clinical Social Worker (LCSW), Advanced Practice Registered Nurse (APRN), Psychiatric Nurse Practitioner, Licensed Clinical Mental Health Counselor (LCMHC)
4801 South Lakeshore Drive, Tempe, Arizona 85282
Phoenix Health and WellBeing is a Licensed Clinical Social Worker (LCSW) in Tempe, Arizona. They treat Sexual Identity, Anxiety, Gender Identity.
Transform Your Wellbeing with Our Holistic Approach to Therapy & Psychiatry
Licensed Professional Counselor (LPC)
215 North East Avenue, Fayetteville, Arkansas 72701
Becky Gonelli is a Licensed Professional Counselor (LPC) in Fayetteville, Arkansas and has been in practice for 15 years. They treat Academic Concerns, Peer Difficulties, Self-Esteem.
I really enjoy working with college students. I find that they are motivated to become the best they can be and welcome encouragement.
Psychotherapist
Remote only
Diana Beltran is a Psychotherapist in undefined, undefined and has been in practice for 6 years. They treat Physical Assault, Depression, Childhood Abuse.
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
1600 Olive Chapel Road, Apex, North Carolina 27502
Vinay Saranga is a Psychiatrist in Apex, North Carolina. They treat Panic, Substance Use, Bipolar Disorder.
Mental health disorders are unique. In addition to medication management, we offer TMS Therapy and IV Ketamine that can help when nothing else does.
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.
| Setting | PPO / HMO | High-Deductible | Medicare-secondary (if any) |
|---|---|---|---|
| In-office therapy (45 min) | $0–$40 copay | 20 % after deductible | 20 % (Medigap may pay) |
| Network tele-therapy | Often $0 | Deductible, then $0 | Same as above |
| Initial psychiatry evaluation | $40–$60 copay | 20 % after deductible | 20 % |
If the first clinician that you try working with isn’t a fit, reopen the directory and try a different provider. Switching therapists that take UMR is penalty-free.
Here’s a more user-friendly, action-oriented version of that section for someone trying to get mental health care with UMR insurance:
If you're running into long wait times, here are steps you can take to speed things up:
Keep a Log: Write down every call you make—include the date, who you spoke to, and the next available appointment they offered.
Call for Help Finding a Sooner Spot: Ask UMR to connect you with a Care Coordinator or Optum Behavioral Health representative. They can search for cancellations or other in-network options.
Request a Timely Access Waiver: If you’re being told to wait too long, ask for a network adequacy or parity exception. Federal law requires UMR to help you access care within a reasonable timeframe.
File a Complaint: If you're not getting the help you need, log in to your UMR member portal and submit a formal complaint. The plan must respond in writing within 30 days.
Persistence—and keeping detailed notes—can make all the difference in getting care sooner.
Does UMR cover therapy? Yes. Outpatient therapy with licensed, in-network clinicians is an essential benefit; typical cost $0–$40 or 20 % coinsurance after deductible.
How do I find therapists that take UMR near me? Sign in to UMR.com → Find a Provider → Behavioral Health, enter your ZIP, and filter for “In Network.”
What’s the difference between a UMR therapist and a UMR psychologist? “Therapist” (LCSW, LMFT, LPC) is a broad counseling designation. “Psychologist” (PhD/PsyD) can also perform testing. Both are covered if in network.
Are UMR psychiatrists accepting new patients? Many are—especially via Optum Virtual Care. Use the “Accepting patients” filter and consider tele-slots.
Will my virtual session count toward my deductible? Yes. Telehealth visits apply to the same deductible and out-of-pocket max as 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.
