Networks change. We verify your specific UMR plan before your first visit; call with your member ID and we will confirm benefits, copay and any referral or authorization requirements.
Also appears on cards as: UMR (UnitedHealthcare TPA), UMR self-funded plans, United Medical Resources.
UMR is a third-party administrator owned by UnitedHealthcare that processes claims and manages benefits for self-funded employer health plans. If your card says UMR, your employer pays the medical claims directly and UMR administers the plan, usually using the UnitedHealthcare Choice Plus network for medical and surgical care. Behavioral health is handled in one of two ways: many UMR plans route mental health through Optum Behavioral Health, while others keep it in house, so the back of your card tells us where to verify benefits. Because each employer writes its own plan document, deductibles, copays and covered services vary more than with a standard insurance product. Most UMR plans cover outpatient psychiatry and medication management for a specialist copay or coinsurance, with no referral required.
Telehealth psychiatry is typically covered at parity with office visits for members located in Florida or South Carolina during the appointment, though a few self-funded plans limit video care to a designated vendor. For Deep TMS, most UMR plans apply UnitedHealthcare's medical policy and require prior authorization with documentation of major depressive disorder, failure of at least two antidepressants and a current severity score; a small number of employer plans exclude TMS entirely, which we confirm before any request. Spravato typically requires prior authorization under the medical benefit or through the plan's pharmacy manager, with treatment-resistant depression, a concurrent oral antidepressant and REMS-certified administration documented. Our staff read your plan's summary of benefits with you before interventional treatment is scheduled.
What we check before your visit
- Whether your plan is in network at the office you chose and for telehealth
- Your copay or coinsurance for an evaluation and for follow-ups
- Whether a primary-care referral is required (common with HMO plans)
- Prior-authorization criteria for Deep TMS and Spravato, if those are being considered
Frequently asked questions
Is Stedfast Psychiatry in network with UMR?
Stedfast Psychiatry accepts most UMR-administered plans at our Florida and South Carolina offices, since UMR typically uses the UnitedHealthcare Choice Plus network and Optum for behavioral health. Because self-funded plans vary, call the behavioral health number on your card or let our front desk run an eligibility check before your first appointment.
Why does my UMR card list a different number for mental health?
Many employers that use UMR route behavioral health through Optum or another specialty administrator. The separate number connects you to the company that authorizes and pays for psychiatry visits. Your deductible and copays still come from your employer's plan document. Use that number when verifying benefits, or let our staff do it for you.
Does UMR cover telehealth visits with a psychiatrist?
Most UMR plans cover video psychiatry visits with in-network providers at the same cost share as office visits for members located in Florida or South Carolina during the appointment. A few employer plans direct telehealth to a specific vendor, so we confirm your plan's rule in advance. Evaluations and medication follow-ups are both well suited to video.
How does prior authorization for Deep TMS or Spravato work with UMR?
UMR or Optum, depending on your plan, reviews the request under UnitedHealthcare's clinical criteria. Both treatments typically require prior authorization with documentation of treatment-resistant depression, prior medication trials and current symptom scores. Some self-funded plans exclude TMS, so we check your plan document first. Our team submits the request and follows it to a decision.