UMR Rehab and Alcohol Detox Coverage
Alcohol abuse harms your physical and emotional health in unexpected and dangerous ways. When you decide to stop abusing alcohol or a loved one encourages treatment for excessive alcohol consumption, seek treatment in a professional and medical facility. According to the National Institute on Alcohol Abuse and Alcoholism, acute alcohol withdrawal symptoms cause life-threatening health concerns like seizures, hallucinations, severe tremors, nausea and general flu-like symptoms. Although you may not experience severe symptoms, the dangers associated with alcohol withdrawal and the potential for severe health concerns means that you do not want to avoid a medically supervised program.
Coverage for Rehab
UMR alcohol rehab coverage allows you to enter a medically supervised detox and rehab program so that you do not take unnecessary risks with your health. The exact coverage in your policy will depend on the details of your plan, but usually UMR alcohol rehab coverage allows you to seek treatment at an in-patient facility or in an out-patient program. Ideally, you should go through a medically supervised detox program before making any decisions about additional rehab treatments. View a comprehensive list of alcohol rehab reviews on our site.
Most policies from UMR pay for in-network treatment programs, but have less coverage for out-of-network providers. Select a program that complies with the details of your policy to avoid complications when you apply for treatment.
Complying with Policy Standards
UMR alcohol rehab coverage usually places specific standards on the treatment options. In most cases, you must pay the deductible before your coverage applies to the treatment program. Some policies will also require pre-certification from the insurance provider before you start a treatment plan. Depending on your policy, you may or may not need a referral from your primary care doctor before you start your treatment program. Evaluate the details of your policy to determine when you need a referral from your doctor.
Select a treatment program that addresses your specific needs, even if you seek treatment from an out-of-network provider. UMR alcohol rehab coverage usually pays for a portion of out-of-network programs as long as you comply with other standards associated with the treatment process.
Treating an addiction to alcohol allows you to focus on long-term goals and rebuilding healthy relationships with your loved ones. Depending on the policy you purchase, the UMR alcohol rehab coverage that applies to your situation will vary. Generally, you have coverage for detoxification, rehab and any medical health concerns that arise during the treatment program. Expect some limitations on your policy before you start a new treatment program.