UMR Insurance Coverage for Adolescent Treatment
UMR Insurance Coverage
UMR (United Medical Resources) is one of the nation’s leading third-party administrators for self-funded health plans, serving millions of members across the United States.
At Beachside Teen, we help parents navigate the complexities of their UMR insurance coverage to help their teen and adolescent get the help and support they need.
This comprehensive guide will help you understand your coverage options and take the first step toward getting your teen the specialized care your family needs
Learn more about our teen treatment programs in California or call us now at 888-254-0916.
Understanding UMR Insurance
UMR operates as a third-party administrator that manages health benefits for employers who choose to self-fund their employee health plans. This means that while UMR processes your claims and manages your benefits, your actual coverage is determined by your employer’s specific plan design.
UMR partners with extensive provider networks and utilizes evidence-based approaches to ensure members receive appropriate mental health care.
The company has a strong commitment to mental health parity, which means they treat mental health conditions with the same level of coverage as physical health conditions. This is particularly important for adolescent treatment, as comprehensive mental health care often requires multiple levels of intervention including individual therapy, group counseling, family therapy, and sometimes residential or intensive outpatient programs.
Check Your UMR Coverage For Adolescent Treatment
To see what your UMR insurance covers, fill out the form below and we’ll help verify your benefits and explain your coverage options.
Insurance Verification
Will UMR Cover Mental Health Treatment for My Teen?
Most UMR plans include comprehensive mental health benefits for adolescents, covering a wide range of treatment modalities and service levels.
Coverage typically includes outpatient therapy, intensive outpatient programs (IOP), partial hospitalization programs (PHP), and inpatient treatment when medically necessary.
Your UMR plan likely covers treatment for various mental health conditions affecting teenagers, including covering depression treatment, anxiety disorders, bipolar disorder, post-traumatic stress disorder (PTSD), attention-deficit/hyperactivity disorder (ADHD), eating disorder treatment, mood disorder treatment and more.
The key to accessing these benefits is understanding that treatment must be deemed medically necessary and provided by qualified, licensed mental health professionals.
Many plans also include coverage for family therapy sessions, recognizing that adolescent mental health treatment is most effective when the entire family system is involved in the healing process.
Will UMR Insurance Cover Addiction Treatment for My Teen?
UMR plans typically provide comprehensive coverage for adolescent substance abuse treatment, recognizing addiction as a medical condition that requires professional intervention. Coverage often includes detoxification services, residential treatment programs, intensive outpatient programs, and ongoing addiction counseling.
Specific substance use disorders commonly covered include alcohol use disorder, marijuana use disorder, opioid use disorder, stimulant use disorders (including cocaine and amphetamines), prescription drug abuse, and polysubstance use disorders. UMR also covers dual diagnosis treatment, where adolescents struggle with both substance abuse and mental health conditions simultaneously.
The coverage for addiction treatment often includes medically supervised detox when necessary, individual and group counseling, family therapy focused on addiction recovery, relapse prevention education, and aftercare planning. Many UMR plans also cover medication-assisted treatment when appropriate for adolescents, always under careful medical supervision.
Tour Our Adolescent Treatment Programs in California
Will UMR Insurance Cover Behavioral Disorders for My Teen?
Yes, UMR generally covers behavioral health disorders for adolescents.
Commonly covered behavioral disorders include oppositional defiant disorder (ODD), conduct disorder, disruptive mood dysregulation disorder, intermittent explosive disorder, attention-deficit/hyperactivity disorder (ADHD), autism spectrum disorders with behavioral components, and adjustment disorders with behavioral manifestations.
How Long Will UMR Cover Adolescent Treatment For?
Most UMR insurance coverage starts off from 30 to 90 days, with the possibility of extensions based on ongoing clinical assessment and treatment progress.
For residential treatment, UMR usually authorizes treatment in increments, requiring regular reviews to ensure continued medical necessity.
However, they recognize that adolescent mental health treatment often requires longer-term intervention than adult treatment, and they typically support extended treatment when clinically justified.
What Parents Should Expect
At Beachside Teen Los Angeles, we utilize a comprehensive 90-day treatment model that aligns well with UMR’s approach to adolescent mental health coverage.
This model recognizes that meaningful change in adolescent mental health requires sufficient time for teens to develop new coping skills, process underlying issues, and practice healthy behaviors in a supportive environment.
The first 30 days typically focus on assessment, stabilization, and initial engagement in treatment.
During this phase, our clinical team works closely with your teen to understand their unique challenges and develop an individualized treatment plan. UMR generally provides strong coverage during this critical initial phase, recognizing the importance of comprehensive assessment and treatment planning.
The second 30 days emphasize skill building and deeper therapeutic work.
Your teen will participate in individual therapy, group sessions, family therapy, and specialized programming designed to address their specific needs. UMR coverage during this phase typically includes all necessary therapeutic modalities, ensuring your teen receives comprehensive care.
The final 30 days focus on preparation for transition and relapse prevention.
This includes developing coping strategies for returning to school and home environments, strengthening family relationships, and establishing ongoing support systems.
UMR recognizes the critical importance of this transition phase and typically provides robust coverage for discharge planning and initial aftercare services.
Throughout the 90-day model, parents can expect regular communication from our treatment team, including family therapy sessions, progress updates, and discharge planning meetings.
UMR coverage typically includes family therapy sessions, recognizing that successful adolescent treatment requires family involvement and support.
Why Beachside Teen?
We’re proudly accredited by CARF (Commission on Accreditation of Rehabilitation Facilities) for our commitment to excellence and evidence-based care.
This prestigious accreditation represents the highest standard in behavioral health treatment and demonstrates our dedication to providing exceptional care that meets rigorous quality standards.
CARF accreditation means that our programs have undergone comprehensive evaluation by independent experts and have been found to meet or exceed the most stringent requirements for adolescent mental health treatment.
Over the years, we have had the privilege of helping hundreds of families navigate the challenging journey of adolescent mental health recovery.
Each family’s story is unique, but they all share the common thread of finding hope and healing through our comprehensive treatment approach.
Our track record of success has made us a trusted resource for families throughout Los Angeles and beyond, with many referring friends and family members who are facing similar challenges.
We are trusted by industry professionals including psychiatrists, psychologists, school counselors, pediatricians, and other healthcare providers who regularly refer their patients to our program.
This professional recognition speaks to our reputation within the mental health community and our commitment to maintaining the highest standards of clinical excellence.
Tja-Zsa Hower, LCSW
Primary Therapist
Last Updated on June 8, 2025
Find Help For Your Family
At Beachside, our programming meets the highest standards for quality adolescent healthcare.
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Begin Treatment for Your Teen Using UMR Insurance
If your teenager is struggling with mental health challenges, don’t wait to seek help.
Early intervention can make a significant difference in your teen’s recovery and long-term wellbeing. Contact us today to learn more about our programs and how your UMR insurance can help make treatment accessible.
Call us now at 888-254-0916 or learn more about what parents can expect at our programs.