UMR Health Insurance for Drug and Alcohol Rehabilitation in New York
UMR is not a traditional health insurance provider, but a third-party administrator hired by an employer to ensure claims are paid correctly, and health care costs are kept to a minimum. UMR is a reliable resource to help people in New Yorkaccess coverage they need for their employees and their companies. Within the UMR network are over 3,000 health care providers that make up the third-party network. UMR specializes in working with each provider to expand behavioral health services. Overall, UMR is not a health insurance company but provides services for the employer that pays the portion of the health care costs not paid by the employee. Behavioral health services and drug rehabilitation in New York are covered through different health insurance plans.
Health insurance plans in New Yorkalleviate some or all of the cost associated with substance abuse treatment. The extent of coverage depends on the type of health insurance plan the person has. Treating drug addiction involves different steps. The first part of drug rehabilitation in New York involves a drug detox to treat withdrawal symptoms. Drug detox should not be considered the only approach to drug rehabilitation. The next phaseof drug rehabilitation involves attending a residential or outpatient drug rehab program in New York. Health insurance plans cover different aspects of drug rehabilitation and recovery. It is also important for the addict to consider aftercare support like 12-step meetings or sober living.
How Does UMR Health Insurance Cover Drug Rehabilitation Program in New York?
UMR does not cover drug rehab directly as it is not a health insurance provider, but the service provides access to thousands of care providers through the UMR third-party network. When using health insurance to cover drug rehabilitation in New York, the first step is contacting the health insurance provider. The two most common health care plans are Health Maintenance Organization plans and Preferred Provider Organization plans. HMO plans allow patients to choose their primary care physician. An HMO plan also allows the person to seek treatment outside of the network, yet a referral is needed by the primary care physician. HMO plans typically have lower deductibles. The pros of an HMO plan are lower premiums, yet there is no access to out of network providers.
PPO plans allow patients to see healthcare providers in and out of their network without referrals. A PPO plan does have a higher deductible than an HMO plan. The insured individual may have out-of-pocket costs, copay, or coinsurance. Some health insurance plans require the patient to pay everything upfront, and they are reimbursed later. Families or the addict should also contact drug rehabilitation programs in New York. Drug rehab centers will help walk a family through the process of using health insurance to cover the cost of treatment. Health insurance is an excellent option to alleviate some or all the cost of drug rehabilitation.
What Type of Drug Rehabilitation Does UMR Health Insurance Cover in New York?
Health insurance plans usually cover drug detox, such as medically supervised detox, clinical drug detox, or hospital inpatient programs. Health insurance plans will also cover outpatient drug rehabilitation and residential drug rehab in New York. When searching for drug rehabilitation options in New York, there are different options to consider. Families or the addict should initially find drug rehab through their health insurance provider. However, the addict could also receive an addiction assessment with a qualified health care provider or drug rehab referral center.
The purpose of an addiction assessment is to evaluate the addict and recommend drug rehabilitation programs in New York that meet the needs of the patient. Overall, no one form of drug rehabilitation is right for every person. Generally, treatment settings and interventions should meet the needs of the person attending drug rehab. Drug rehabilitation involves many steps with drug detox, inpatient drug rehab, outpatient treatment, and aftercare support. Some aftercare or recovery support options are likely covered by health insurance. Aftercare involves working on sobriety and remaining connected to other sober people. A well-rounded approach to treatment is essential.
Family Intervention Services in New York for Drug Addiction
Watching a family member struggle with drug addiction is not easy.Most families in these positions are unsure of what steps to take to help. Family intervention services in New York helps the family regain control and motivates the drug-addicted loved one to accept help and attend drug rehabilitation. Someone struggling with drug addiction is usually in denial about their situation and unwilling to seek drug rehabilitation.
Moreover, they may not recognize the negative effects their addiction has on themselves and others. A family intervention presents the drug-addicted family member with a structured opportunity to make changes before things get even worse. The best way to plan and organize a family intervention is by hiring a professional interventionist. A carefully planned and executed family intervention works, yet a poorly planned family intervention makes the situation worse.
Health Insurance and Drug Addiction Trends in New York
Health insurance is an excellent resource to alleviate some or all the cost of drug rehabilitation in New York. Health insurance plans cover different drug rehab options and behavioral health services. However, not every New Yorker has health insurance. In 2019, roughly 5.3% of New Yorkers were uninsured. Most individuals have health insurance through an employer and in 2019, 49.8% of New Yorkers had health insurance through their employer. Drug abuse impacts people from all age groups and drug rehab is the best way to overcome addiction. According to the New York Behavioral Health Barometer, during 2017-2019, the annual average prevalence of past year substance use disorders in New York was 7.1% among people aged 12 or older.
Sources-
https://www.samhsa.gov/data/sites/default/files/reports/rpt32849/NewYork-BH-Barometer_Volume6.pdf
