UMR Rehab Center and Addiction Treatment in Kansas City
Insurance coverage can lower out-of-pocket rehab expenses. UMR is a third-party administrator for UnitedHealthcare that operates in Kansas City.1 It works with employer health plans to manage and administer health care benefits for their members.1 You can access behavioral health care with UMR rehab insurance coverage, including substance use disorder (SUD) treatment.2
Empowered Recovery Kansas City isn’t in network with UMR, but you can still use your out-of-network benefits to start treatment with us. Keep reading to learn more about UMR addiction rehabs and how to get started on your recovery journey.
Does UMR Insurance Cover Rehab?
You may have wondered, “Does UMR cover drug rehab?” Yes, UMR covers rehab, including inpatient and outpatient programs.3 UMR administers employer-sponsored plans and provides features based on the specific plan type your employer selects.1
Choosing a plan through UMR means having access to one of the nation’s largest health care networks, the UnitedHealthcare Choice Plus network.4 This PPO network offers discounted care with in-network providers and access to specialists, including behavioral health professionals.2,4 Your level of coverage will vary depending on your specific policy. Some UMR plans offer the same features5:
- Emergency care anywhere in the world
- Extensive prescription drug coverage
- Preventive services are fully covered when you use in-network UnitedHealthcare Choice Plus providers
Rehab Programs Covered by UMR
UMR covers several types of addiction treatment to help you achieve your recovery goals.2,3 What works for one person in recovery may not work for another.6 UMR generally covers a wide range of programs, from in-depth inpatient care to flexible outpatient options.3 Here are some common types of addiction treatment that might be covered by a rehab in network with UMR, or a rehab that accepts UMR:
- Medical detox
- Inpatient treatment
- Partial hospitalization program (PHP)
- Intensive outpatient rehab
- Standard outpatient treatment
Types of Addiction Treatment Covered by UMR
UMR covers mental health and substance abuse services, which typically include therapy.2 Additionally, UMR may cover medication-assisted treatment (MAT) and other specialized approaches.2 Your exact coverage will vary depending on your specific policy.
Rehab centers provide several evidence-based approaches to address the root of addiction. Therapy can help you recognize unhealthy behaviors and take steps to change them. It can also provide tools to manage mental health conditions and gain coping skills. Facilities typically offer multiple types of therapies in individual, group, and family sessions.6
A UMR rehab center, or UMR-approved rehab center, may also offer MAT programs for opioid and alcohol addiction. MAT combines FDA-approved medications, like naltrexone and buprenorphine, with behavioral interventions. This integrated approach can limit the potential harm of substance use while reducing the chances of relapse.6,7
Does UMR Cover Co-Occurring Disorders?
Yes, UMR should cover co-occurring disorder care to some degree. Under the Affordable Care Act (ACA), health insurance plans must cover essential health benefits, including mental health and addiction treatment.6 Since co-occurring disorders encompass both conditions, coverage should be available. Still, your exact level of coverage will vary.
Co-occurring disorders are common, with about 21.2 million adults battling substance abuse and mental health illnesses at the same time.8 While the onset of co-occurring disorders may differ from person to person, clinical specialists recommend treating both conditions in tandem to promote lasting recovery.6,8
Does UMR Cover Addiction Treatment Therapies?
Yes, UMR covers behavioral therapies. Therapy is vital in treatment and can help you develop the tools for sustained recovery.6 Addiction specialists provide several types of therapy focused on recovery essentials, like changing unhealthy behaviors, gaining coping skills to replace substance use, and overcoming mental illnesses.6
While most insurance companies offer coverage for therapy, the number of weekly or daily hours your plan covers can vary. Here are some common therapies a UMR rehab facility might offer:
- Individual therapy
- Group therapy
- Family therapy
- Cognitive-behavioral therapy
- Dialectical behavior therapy (DBT)
- Trauma therapy
Does UMR Cover Addiction Medications?
Yes, UMR should cover MAT to some extent.9 MAT offers a whole-person approach, incorporating therapy to help you understand what fuels addiction and address it.6
People struggling with lingering withdrawal symptoms and cravings can benefit from participating in MAT to manage physical symptoms and reduce the chances of relapse. Addiction medications can alleviate withdrawal symptoms and cravings associated with quitting substances, like opioids or alcohol.6,7
UMR Insurance Out-of-Network Benefits
UMR offers both in-network and out-of-network benefits. UMR in-network rehab facilities contract with the company to provide services at lower rates for members. With UMR out-of-network benefits, you can receive care from your preferred provider, but expenses are often higher because there is no negotiated rate for services.10
Using out-of-network benefits can be helpful if you have a preferred treatment center in mind. You’ll still receive some level of coverage from UMR while attending a suitable program for your needs. If you have questions about using out-of-network coverage, call your insurance company or contact Empowered Recovery Kansas City.
How to Use Your UMR Insurance to Pay for Rehab
Learning more about your specific policy can simplify paying for rehab with UMR. Contact your insurance company for exact details on your plan and answers to questions about your benefits.
We’re also here to help you navigate the treatment process. Our admissions team can verify your insurance and explain your UMR drug rehab coverage and UMR alcohol rehab coverage. Visit us online to verify your insurance benefits and discover your pathway to recovery.
Using UMR Insurance at Empowered Recovery Kansas City
Starting addiction treatment at Empowered Recovery Kansas City can help you create a healthier path forward. We offer several outpatient rehab programs in Kansas City, including PHPs, intensive outpatient programs, and standard outpatient care. You can access personalized approaches and targeted services to fit your needs.
From program options to payment plans, our rehab admissions team can answer all your questions about going to rehab. If you don’t have insurance, we can explore other ways to pay for addiction treatment. Contact Empowered Recovery Kansas City to learn more about the admissions process, out-of-network coverage, and treatment options.
References
- UMR. (n.d.). Member FAQs. Retrieved on February 13, 2026, from https://www.umr.com/member/member-faqs
- UMR. (2025). Behavioral health provider access. Retrieved on February 13, 2026, from https://www.umr.com/print/UM1818.pdf
- UMR. (2026). Summary of Benefits and Coverage. Retrieved on February 13, 2026, from https://image.mail.umr.com/lib/fe3e15707564067e731772/m/1/07c273b2-6d34-421d-a739-961bda73b40f.pdf
- UMR. (n.d.). Find a provider. Retrieved on February 13, 2026, from https://www.umr.com/oss/cms/welcometoumr/findaprovider.html
- UMR. (n.d.). Medical benefits. Retrieved on February 13, 2026, from https://www.umr.com/oss/cms/welcometoumr/medicalbenefits.html
- National Institute on Drug Abuse. (2018). Principles of Drug Addiction Treatment: A Research-Based Guide (Third Edition). Retrieved on February 13, 2026, from https://nida.nih.gov/sites/default/files/podat-3rdEd-508.pdf
- National Institute on Drug Abuse. (2025). Medications for Opioid Use Disorder. Retrieved on February 13, 2026, from https://nida.nih.gov/research-topics/medications-opioid-use-disorder#oud-meds-work
- Substance Abuse and Mental Health Services Administration. (2025). Co-Occurring Disorders and Other Health Conditions. Retrieved on February 13, 2026, from https://www.samhsa.gov/substance-use/treatment/co-occurring-disorders
- Healthcare.gov. (n.d.). Health benefits & coverage. Retrieved on February 13, 2026, from https://www.healthcare.gov/coverage/mental-health-substance-abuse-coverage/
- UMR. (n.d.). Information on Payment of Out-of-Network Benefits. Retrieved on February 13, 2026, from https://www.umr.com/oss/cms/UMR/SharedDocuments/Website_disclosure.pdf?forcemainsite=true&csrf=f9f17ea6-6407-495c-a72b-1f16c09135cc
- Treatments
Verify Your Insurance Online
We are here to help. Contact us today and get the answers you need to start your journey to recovery!
Read Our Reviews
Posted onTrustindex verifies that the original source of the review is Google. Amazing program with amazing staff. Very much needed in Kansas City! Highly recommend.Posted onTrustindex verifies that the original source of the review is Google. I am incredibly grateful for Empowered Recovery Center. I gained life-changing insight into my depression, anxiety, and unhealthy relationship with alcohol. This program helped me face issues I had been avoiding, develop healthier coping skills, and reclaim control of my life. The individual therapy and group sessions were intentional, challenging, and deeply impactful. Every facilitator truly cares and is fully committed to your recovery—not just saying it, but living it. The support here is genuine, the environment is welcoming, and the community feels like family. If you are ready to show up, surrender, and take recovery one day at a time, Empowered Recovery Center will meet you there and walk with you every step of the way.Posted onTrustindex verifies that the original source of the review is Google. Empowered is a program built up by addicts for addicts. They understand the clientele on a deep and personal level, which enriches the experience. The facilities are kept clean and well cared for. You just can tell that they care. They're not just seeking to line their pockets but rather build back up broken men and women. Empowered saves my life. :)Posted onTrustindex verifies that the original source of the review is Google. This is an amazing program with an amazing staff that truly cares. If you are looking for quality care for yourself or a loved one, this is a facility and a team you can absolutely trust.Posted onTrustindex verifies that the original source of the review is Google. The work that empowered does truly changes lives! Highly recommend to anyone in need!!!!Posted onTrustindex verifies that the original source of the review is Google. I cannot express enough how grateful I am to Empowerment Recovery for the life-saving care and support they provided to my son. He was homeless and battling Fentanyl and meth addiction in Las Vegas. We had no idea where he was or what to do until we finally found him, and that’s when we reached out to Dylan at Empowerment Recovery. From the moment we contacted Dylan, everything fell into place. Empowerment Recovery handled everything from there, guiding us through each step of the process. Dylan and the entire staff were incredible — compassionate, professional, and knowledgeable. They made what felt like an impossible situation manageable and gave us peace of mind when we didn’t know what decisions to make. We never had to worry once we were in their hands. Thanks to their expertise, my son has been sober for 10 months and is doing amazing! I couldn’t be more thankful for the care he received and the ongoing support that has helped him turn his life around. I truly believe Empowerment Recovery saved his life, and I will be forever grateful. If you’re in need of help, you’re in the right place. I could not be happier with the results and how far my son has come. Thank you again, Empowerment Recovery!Posted onTrustindex verifies that the original source of the review is Google. Beautiful facility in a nice area. High quality staff and they are gonna help a lot of folks here!Posted onTrustindex verifies that the original source of the review is Google. The team at Empowered is unparalleled. They have a true care and compassion for their clients. I would send any of my loved ones here, this is a space of true healing and accountability to be your best self.