UMR Health Insurance: What you need to know

If you’re looking for an affordable health insurance plan, look no further than UMR Health Insurance. This comprehensive healthcare coverage offers numerous benefits and perks that make it stand out from other insurance options. But what exactly is UMR Health Insurance? How does it work? And what are the pros and cons of choosing this type of health coverage? In this article, we’ll explore everything you need to know about UMR Health Insurance.

Understanding UMR Health Insurance

What is UMR Health Insurance?

UMR Health Insurance is not a traditional provider but rather a third-party administrator (TPA) established in 1983. This offers management support services for self-funded health insurance plans of companies. This means that instead of purchasing health insurance from an insurance company, companies can create and manage their own health insurance plans and hire this company to handle payment processing, verification, complaint resolution, and other services.

UMR is a subsidiary of UnitedHealthcare, one of the largest and most reputable health insurance providers in the United States. This has over 65 years of experience in managing self-funded health insurance and currently serves more than 5 million members with customized plans tailored to the needs of customers.

What is UMR Health Insurance?

What services are offered?

UMR Health Insurance offers a comprehensive range of services to cater to the unique needs of its clients. These services are designed to provide effective management and support for self-funded health insurance plans. Here’s an overview of the services offered by this kind of insurance:

  • Pharmaceutical services: UMR insurance collaborates with reputable pharmaceutical providers to offer customers prescription, non-prescription, and specialty medication benefits. Customers can utilize their UMR member cards to access discounted medication at affiliated pharmacies or conveniently order prescriptions online for home delivery.
  • Health and preventive services: This insurance provides customers with programs and tools aimed at enhancing overall health and preventing illnesses. For instance, customers can participate in online courses covering topics such as nutrition, lifestyle, and stress management. Additionally, they can utilize the myHealth cost estimator tool to compare prices and quality among healthcare service providers. Moreover, it covers 100% of preventive services when customers utilize providers within the UnitedHealthcare Choice Plus network.
  • Support and care services: By which offers customers personalized support and care services when they encounter medical issues. For example, customers can call or engage in online chats with registered nurses through the NurselineSM for advice and guidance. Furthermore, customers can receive assistance in managing chronic conditions like diabetes, hypertension, or obesity. In cases involving mental health concerns, this also includes coverage for psychological and social services.
  • Stop-Loss insurance services: Provides companies with stop-loss coverage to safeguard them against financial risks arising from excessive medical expenses. This type of insurance pays for healthcare costs that exceed predefined thresholds, effectively minimizing financial burdens on the company’s budget.
What services are offered?
What services are offered?

How does UMR Health Insurance work?

When you enroll in UMR Health Insurance, you’ll receive an insurance card that you can use to access healthcare services. You’ll also have access to a network of healthcare providers who have agreed to accept your healthcare insurance. These providers include doctors, hospitals, clinics, and pharmacies.

To use your own one, simply present your insurance card when you receive healthcare services. Depending on your plan, you may be required to pay a deductible or copayment before your insurance coverage kicks in. Once you’ve met your deductible, it will cover a percentage of your healthcare costs. You may still be responsible for paying a copayment or coinsurance, depending on your plan.

How does UMR Health Insurance work?

Pros and cons of UMR Health Insurance

Like any health insurance plan, this kind of health insurance has its pros and cons. Here are some of the benefits and drawbacks to consider before enrolling:


  • Flexibility and cost savings: By self-funding employee healthcare expenses, companies can exercise greater control over their budgets and reduce legal liabilities. Furthermore, companies have the flexibility to design healthcare insurance plans that align with the needs and preferences of their employees, free from the constraints of traditional insurance company regulations and terms.
  • Professional and high-quality Support: UMR employs a modern and secure data management system that allows companies and members to track detailed healthcare expenses, service usage history, and their respective benefits. UMR also boasts a dedicated customer care team that is attentive and proactive, readily available to address and resolve any customer inquiries or concerns. Additionally, UMR provides supplementary services such as health consultations, chronic disease management, and assistance in finding quality healthcare providers at reasonable prices.
  • Stop-loss insurance: UMR offers companies stop-loss coverage to shield them from financial risks stemming from excessively high medical costs. This type of insurance reimburses health care expenses that surpass predefined thresholds, effectively minimizing financial strain on the company’s budget.


  • Unpredictable and inconsistent: Due to self-funding employee healthcare expenses, companies may face the challenge of unpredictability. If an unexpected or costly medical event occurs, companies may be burdened with significant expenses that cannot be offset from any source. This unpredictability can pose financial difficulties for companies and impact their business operations.
  • Coverage limitations and scope: Since healthcare insurance plans are custom-designed by companies, there may be cases where certain medical services are not included or are covered at a lower level within the plan. This can create difficulties for members when they need to access these healthcare services and must pay out-of-pocket for the remaining expenses. Additionally, this may not be applicable to certain categories of employees, such as seasonal workers, remote employees, or employees working overseas.
Pros and cons of UMR Health Insurance

How to enroll in UMR Health Insurance

Enrolling in this insurance is easy. You can do so online or by contacting a UMR representative. To get started, you’ll need to provide some basic information about yourself, such as your name, address, and social security number. You’ll also need to select a plan that meets your healthcare needs and budget.

Once you’ve enrolled in UMR Health Insurance, you’ll receive an insurance card that you can use to access healthcare services. Be sure to review your plan details carefully so you understand what is and isn’t covered under your plan. You should also familiarize yourself with your network of healthcare providers so you know where to go for care.

How to enroll in UMR Health Insurance

Tips for using UMR Health Insurance

To make the most of your UMR Health Insurance, here are some tips to keep in mind:

  • Take advantage of wellness programs and resources to stay healthy and save money on healthcare costs.
  • Choose a primary care physician within your UMR Health Insurance network to coordinate your healthcare needs and avoid unnecessary expenses.
  • Use generic medications whenever possible to save money on prescription drug costs.
  • Review your Explanation of Benefits (EOB) statements carefully to ensure you’re being billed correctly for healthcare services.
  • Contact UMR customer service if you have any questions or concerns about your plan or benefits.

Top 5 FAQs about UMR Health Insurance

UMR Health Insurance is a reputable third-party administrator (TPA) known for its unique approach to healthcare coverage. If you’re considering this insurance, you might have some questions. Here are the top 5 FAQs to help you get a better understanding:

What is the difference between UMR Health Insurance and United Healthcare?

UMR Health Insurance is a type of insurance plan offered by UnitedHealthcare. The main difference between the two is that this is typically more affordable and offers fewer options than traditional United Healthcare plans.

Does UMR Health Insurance cover pre existing conditions?

Yes , UMR Health Insurance does cover preexisting conditions. However, the extent of coverage may vary depending on your plan and specific condition. Be sure to review your plan details carefully and contact UMR customer service if you have any questions or concerns.

Can I use UMR Health Insurance outside of the United States?

Generally, this insurance only covers healthcare services received within the United States. However, some plans may offer limited coverage for emergency medical care received outside of the country. Be sure to review your plan details carefully and contact UMR customer service to confirm coverage.

How do I find a healthcare provider within the UMR Health Insurance network?

You can search for healthcare providers within the healthcare network using the online provider directory. Simply enter your location and select the type of provider you’re looking for to view a list of in-network options. You can also contact UMR customer service for assistance.

Can I change my UMR Health Insurance plan after enrolling?

You may be able to change your Health Insurance plan during open enrollment periods or if you experience a qualifying life event, such as getting married or having a baby. Be sure to check with UMR customer service for specific details on changing your plan.


UMR Health Insurance is an affordable and comprehensive healthcare coverage option that offers numerous benefits and perks. While it may not be the best fit for everyone, it’s worth considering if you’re looking for an affordable health insurance plan. By understanding how UMR Health Insurance works, weighing the pros and cons, and following these tips, you can make the most of your coverage and stay healthy while saving money on healthcare costs.

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