Struggling to find inpatient mental health care in Florida? If you have health insurance coverage through UMR, you may have help paying for therapy, counseling, medication management, and other essential treatments.
UMR is part of UnitedHealthcare but works with many health insurance companies as a third-party administrator (TPA) to manage benefits. Understanding your benefits can help you get the right care without unexpected costs.
Mark Behavioral Health works with UMR to make quality mental health treatment more accessible to Florida residents. Because you deserve to be happy and healthy.
About UMR Coverage for Inpatient Mental Health Treatment in Florida
United Medical Resources (UMR) is a third-party administrator (TPA) that manages health insurance plans for over 6 million Americans. They work with insurance providers to offer inpatient mental health treatment in Florida.
If UMR manages your health plan, you may get coverage for mental health treatments like therapy, counseling, and medications in residential treatment. Coverage, including the number of treatment days, depends on your insurance plan.
UMR plans cover mental health benefits along with other healthcare services. Mark Behavioral Health partners with UMR to help more people access behavioral health services.
How Does Florida UMR Insurance Coverage Work for Mental Health Recovery?
Under the Mental Health Parity and Addiction Equity Act (MHPAEA), insurance providers must cover mental health and substance use disorder services the same as medical care.
UMR’s mental health coverage connects you with trusted healthcare providers and treatment centers, ensuring you get the care you need.
Whether it’s therapy, medication management, or ongoing support, their plans help make mental health treatment more accessible. This way, you can focus on your well-being instead of worrying about costs.
Key mental health coverage factors through UMR include:
- Preauthorization requirements
- Length of stay (ranging from two weeks to 30 days or more)
- In-network provider discounts
- Co-pays and deductibles
- Variations based on plan type (PPO, HMO, or others).
For the quickest assistance, call the toll-free number on your health plan ID card.
Other Mental Health Programs in Florida Covered by UMR
UMR health insurance plans in Florida may cover different mental health treatments, like therapy, medication management, and residential care.
Different levels of care — inpatient, outpatient, and in-between options — may be covered depending on your plan, location, and provider network.
Programs that may be covered:
- Partial hospitalization programs (PHP): A structured day program with therapy and medical support, letting you go home at night.
- Intensive outpatient programs (IOP): A step down from PHP, offering therapy sessions several times a week while you continue daily activities.
- Outpatient treatment programs: One-on-one or group therapy scheduled around your routine, no hospital stay needed.
- Residential treatment programs: 24/7 care in a structured setting for those needing intensive support.
As a disclaimer, Mark Behavioral Health does not offer substance use disorder or outpatient treatment. However, we can refer you to other quality Florida healthcare providers if you need these services.
Mental Health Therapies in Florida Covered by UMR
UMR plans may cover many evidence-based therapies at Mark Behavioral Health in Florida, including:
- Psychotherapy: UMR covers various psychotherapy options, including trauma-focused, group, and individual therapy.
- Cognitive behavioral therapy (CBT): A therapy that helps you identify and change negative thought patterns.
- Dialectical behavior therapy (DBT): Focuses on teaching coping skills to manage emotions and improve relationships.
- Grief therapy: Supports individuals in coping with loss, processing emotions, and finding healing.
- Sexual trauma therapy: Assists survivors of sexual abuse in managing long-term effects, processing trauma, and fostering healing.
Types of Mental Health Disorders Covered by UMR in Florida
UMR-administered health plans in Florida generally provide coverage for a wide range of mental health conditions.
Covered mental health disorders we treat at Mark Behavioral Health include:
- ADHD (attention-deficit/hyperactivity disorder): A neurodevelopmental disorder marked by inattention, hyperactivity, and impulsivity that can impact daily functioning.
- Anxiety disorders: Conditions involving excessive fear, worry, or nervousness that interfere with daily life.
- Depressive disorders: Persistent feelings of sadness, hopelessness, and loss of interest in activities once enjoyed.
- Bipolar disorders: Characterized by extreme mood swings, including emotional highs (mania) and lows (depression).
- Post-traumatic stress disorder (PTSD): A disorder triggered by a traumatic event, leading to severe anxiety, flashbacks, and emotional distress.
- Personality disorders: Long-term patterns of behavior, thoughts, and emotions that deviate from cultural expectations, causing distress or impairment.
- Obsessive-compulsive disorder (OCD): A condition marked by persistent, unwanted thoughts and repetitive behaviors aimed at reducing anxiety.
- Panic disorders: Sudden episodes of intense fear or discomfort, often accompanied by physical symptoms like rapid heartbeat and shortness of breath.
- Mood disorders: A broad category of mental health conditions that affect emotional states, including depression and bipolar disorder.
- Schizophrenia: A severe mental disorder that affects thinking, perception, emotions, and behavior, often including hallucinations and delusions.
- Schizoaffective disorder: A condition featuring symptoms of both schizophrenia and mood disorders, such as depression or bipolar episodes.
Inpatient Mental Health Services Covered by UMR in Florida
During inpatient treatment in Florida, UMR plans may cover services such as:
- Psychiatric care: Psychiatry and medical management to help with various mental health conditions, ensuring you receive the right medications and support.
- Trauma-informed care: A compassionate approach that acknowledges the impact of past trauma and provides supportive, non-triggering treatment.
- Medication management: Regular assessment and adjustments of medications to align with your treatment plan.
- Psychoeducation: Educational sessions to help you and your loved ones understand mental health conditions and available treatments.
- Nutritional counseling: Guidance on how diet influences mental health and well-being, helping to create healthier eating habits.
- Dual diagnosis treatment: UMR may also cover treatment for people dealing with mental health conditions and substance use disorders, providing care for mental wellness and drug addiction recovery.
Your plan covers different treatments, session limits, and providers. Coverage depends on your specific plan and employer.
How Much Do Inpatient Florida Mental Health Programs Cost with UMR?
The cost of inpatient mental health care with UMR in Florida depends on several factors:
- Your plan details: Coverage levels vary, and using an out-of-network provider may mean higher costs.
- Length of stay: The longer you stay, the more it may cost.
- Facility fees: Costs can differ based on the treatment center.
- Co-pays and deductibles: Your out-of-pocket expenses depend on your specific plan.
- Treatment services: The therapies and services you need can affect the total cost.
For an accurate estimate, contact UMR or Mark Behavioral Health’s admissions team. We can help verify your insurance benefits and explain the costs of inpatient mental health treatment.
How to Check Your UMR Coverage for Inpatient Mental Health Care in Florida
To find out if UMR covers your inpatient mental health care:
- Contact UMR directly: Contact UMR to ask about your plan’s benefits, including coverage limits, co-pays, and preauthorization requirements. Visit UMR.com to review your benefits, find in-network providers, and check coverage details.
- Contact Mark Behavioral Health: Our team can help you verify your insurance coverage and discuss the treatment options that might be best for you.
Verify Your UMR Coverage and Start Mental Health Treatment in Florida
Taking the first step toward mental health recovery is crucial, and as a UMR member, you have access to a range of treatment options. Knowing your insurance covers care can ease financial stress, letting you focus on healing instead of worrying about costs.
By verifying your UMR insurance coverage, you can get the mental health care you need to support your journey. And Mark Behavioral Health is here to help you every step of the way. Don’t wait to get the support you deserve.
Contact Mark Behavioral Health today to verify your coverage and start your path to healing!
