Changes Treatment Center

UMR Coverage for Therapy and Mental Health

Changes Treatment Center works with UMR to cover therapy, psychiatry, and outpatient addiction treatment, including day treatment and intensive outpatient. We verify your UMR benefits for you, free and often the same day, and explain exactly what your plan covers before you decide anything.

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Support That Truly Cares

Reach out for confidential support, no pressure, no judgment. We’re here to help you take the next step.

Frequently Asked Questions

Is UMR the same as UnitedHealthcare?

UMR is a third-party administrator owned by UnitedHealthcare. It manages self-funded employer plans and uses the UnitedHealthcare provider network, but your benefits are set by your employer’s plan rather than a standard UnitedHealthcare policy. We verify your specific plan for you.

Yes. UMR plans generally cover individual therapy, group therapy, and psychiatric care with medication management. Coverage typically includes treatment for depression, anxiety, trauma, and co-occurring conditions. Your copay and visit limits depend on your employer’s plan.

Yes. Mental health treatment is a core part of the UMR behavioral health benefit, covered at the same level as medical care under federal parity law. We verify exactly what your plan covers at no cost.

Changes works with UMR to cover outpatient addiction treatment, including PHP, IOP, therapy, and psychiatry. UMR plans generally cover these services under your behavioral health benefit, and we verify your specific coverage at no cost.

Most UMR plans cover both Intensive Outpatient (IOP) and Partial Hospitalization (PHP) programs under your behavioral health benefit. We confirm which levels your specific plan covers when we verify your benefits.

Yes. Most UMR plans use the UnitedHealthcare provider network to determine which providers are in network. We confirm how your plan applies the network during verification.

UMR plans generally cover medication-assisted treatment for substance use disorders. Because coverage and prior-authorization rules vary by employer plan, we confirm your specific benefits before treatment begins.

Verification takes a few minutes of your time. Our team contacts UMR directly and calls you back with your coverage details, often the same day.

If your plan does not fully cover the care you need, we review private pay options and work with you on a path forward. Call (949) 807-2008 to discuss your situation.

What UMR Is and What It Covers

UMR is a third-party administrator owned by UnitedHealthcare, and it manages behavioral health benefits for self-funded employer plans rather than acting as an insurer itself.

Because UMR administers your employer’s plan, your coverage is defined by that specific plan design, and most UMR plans use the UnitedHealthcare provider network. Most cover the outpatient levels of care we provide: individual and group therapy, psychiatric care with medication management, our Intensive Outpatient Program (IOP), and our Partial Hospitalization Program (PHP). Federal parity law requires most plans to cover behavioral health at the same level as medical and surgical care, so your mental health and addiction coverage is generally treated like any other medical benefit. The specifics, including any prior authorization, depend on how your employer built the plan, which is why we verify your benefits before treatment begins.

Mental Health and Therapy Coverage

UMR plans generally cover therapy and psychiatric care as a core part of your behavioral health benefit.

Most plans cover individual therapy, group therapy, and psychiatric care with medication management for conditions including depression, anxiety, trauma, and co-occurring mental health and substance use. Treatment at Changes uses evidence-based approaches such as cognitive behavioral therapy, dialectical behavior therapy, and motivational interviewing, all delivered by licensed clinicians and covered under your behavioral health benefit. Because coverage depends on your employer’s plan and the UnitedHealthcare network, we verify which services and providers are covered before you begin, so you know exactly what your UMR benefit includes.

Levels of Care UMR Covers With Us

UMR benefits apply across the outpatient continuum at Changes, from therapy and psychiatry through structured day treatment.

Our Partial Hospitalization Program (PHP) is the most structured outpatient option, giving you several hours of clinical programming a day while you live at home or in supportive housing. Our Intensive Outpatient Program (IOP) is a step down, built for people balancing treatment with work or family. We also provide individual and group therapy and psychiatric care with medication management for people who need ongoing support. Most UMR plans cover each of these levels, though the number of days or sessions covered depends on medical necessity and how your employer built the plan. If you need detox before starting outpatient care, we help coordinate placement with trusted partners, then bring you into our program when you are ready.

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How to Verify Your UMR Benefits

Verifying your UMR coverage takes a few minutes of your time, and our team handles the rest.

What You'll Pay With UMR

Your cost with UMR depends on how your employer built your plan, and we give you the full picture before you commit to anything.

Because each self-funded employer plan sets its own terms, UMR plans vary widely in deductible, copay or coinsurance, and annual out-of-pocket maximum for behavioral health care. Once you have met your deductible, most plans cover a share of each session or treatment day, with you responsible for the copay or coinsurance until you reach your out-of-pocket maximum. Rather than quote a number that may not match your plan, we contact UMR, confirm your cost share, and tell you what to expect before treatment begins. There is no cost to verify and no obligation to enroll.

What If UMR Doesn't Cover the Care You Need

If your UMR plan does not fully cover the care you need, we work with you on your options rather than turning you away.

Our admissions team explains what your plan does cover, helps you understand any gaps, and reviews private pay so you have a complete picture before deciding. In some cases we can request a single-case agreement or help you use benefits toward a different level of care that is covered. Call (949) 807-2008 and we will find a path forward together.

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See what your UMR plan covers today. Submit the form above, or call (949) 807-2008 to speak with our admissions team.

SAMHSA National Helpline: 1-800-662-HELP (4357). Free, confidential, 24/7.

EricChaghouriMD 641h e1758224525342

Medically reviewed by

Eric Chaghouri, MD, is the Medical Director at Changes Treatment Center and reviews the clinical content on this page. Dr. Chaghouri is a board-certified psychiatrist who specializes in addiction and forensic psychiatry.

Why Choose Changes?

Recovery is more than stopping a behavior, it’s about rediscovering who you are. At Changes, we provide a supportive space where individuals can rebuild confidence, gain clarity, and move forward with purpose through personalized care.

We focus on strengthening identity, encouraging presence, and supporting overall well-being. By addressing self-sabotage and fostering community, we help turn intention into lasting change, walking with you every step of the way.

Trusted Clinical Care

Our licensed professionals bring years of expertise in addiction and mental health treatment.

Tailored Recovery Plans

We customize treatment for every client to ensure long term success.

Comprehensive Support

From detox to aftercare, Changes walks with you every step of the way.

A Healing Environment

Our Costa Mesa location offers a calming, bright, and rejuvenating atmosphere.

Our Admissions Process

A Simple Path to a New Beginning with Changes

We understand that taking the first step toward recovery can feel overwhelming. Our admissions process is designed to be simple, confidential, and stress-free.

Step 1

Verify Insurance

Fast, confidential coverage check to help you understand your benefits and available treatment options.

Step 2

Speak to Specialist

Personalized support to guide you through the process and answer any questions with clarity and care.

Step 3

Begin Treatment

Start your path to a brighter future with structured support, expert care, and a plan built around you.

Alcohol Self-Assessment

Take a moment to answer these questions honestly.
There are no right or wrong answers.

This assessment is not a medical diagnosis, but it can help you determine whether alcohol may be having a greater impact on your life than you realize.

In the past 12 months…

SCORE: 0 POINTS

Developed by Patrick Conod, LCSW, and Cari Lawyer, CATC I, on behalf of the Changes Treatment Center Clinical Leadership Team.

Is My Loved One Struggling with Alcohol?

A Self-Assessment for Family Members and Friends

Watching someone you love change because of alcohol can be confusing and heartbreaking. You may find yourself questioning what you’re seeing, wondering if you’re overreacting, or hoping things will get better on their own.

This assessment is designed to help you reflect on the behaviors you’ve noticed. It isn’t a diagnosis, but it may help you determine whether it’s time to seek guidance or support.

In the past 12 months…

Developed by Patrick Conod, LCSW, and Cari Lawyer, CATC I, on behalf of the Changes Treatment Center Clinical Leadership Team.

Quiz: Could It Be Both?

When we are struggling with deep stress, anxious thoughts, or a low mood, it is incredibly natural to look for immediate relief. Sometimes, we turn to alcohol or other substances just to quiet our minds, get some sleep, or feel normal for a night. 

This short self-assessment is designed to help you pause and look at how these two parts of your life might be influencing each other. It is entirely anonymous and takes less than two minutes.

If you answered "Yes" to more than one question:

Reflecting on how your experiences connect

Answering "yes" to one or more of these questions can be a sign that your mental health and substance use are deeply intertwined. When anxiety, depression, or stress connect with alcohol or drug use, they often feed into one another in a cycle. Recognizing this link is a powerful and brave step toward finding a path that heals both at the same time.

  • A gentle next step: You don’t have to separate these struggles or try to fix them one by one. True recovery looks at the whole picture, and starting with a simple, honest conversation can offer immense relief.
  • Let's talk it through: We have compassionate, real people ready to listen and walk alongside you. Whether your goal is to find balance, heal from trauma, or address both mental health and substance use together—we are here with zero judgment and absolute confidentiality.

Want us to reach out to you?

Leave your details below and a caring member of our team will connect with you quietly and confidentially.

Quiz: Do I Have a Substance Use Problem?

It’s common for habits to slowly shift over time, especially during stressful seasons. Often, we find ourselves using a substance to cope, unwind, or get through the day, only to realize it is starting to take up more space in our routine, thoughts, or relationships than we’d like.

This quick, 10-question check-in is a quiet space to reflect honestly on how your use is impacting your life. It is entirely anonymous, completely free of clinical judgment, and takes less than two minutes.

If you answered "Yes" to more than one question:

Reflecting on your routine and finding balance

Answering "yes" to one or more of these questions can be a sign that substance use might be starting to take up a bit more space in your mind, routine, or relationships than you would like. It is incredibly common for these habits to slowly shift over time, especially during stressful seasons, but realizing you want to look closer at those habits is a brave first step.

  • A gentle next step: You don’t have to make any major, life-altering decisions today. Simply giving yourself permission to talk openly and honestly about where you are can lift a massive weight.
  • Let's talk it through: We have compassionate, real people ready to listen and walk alongside you. Whether your goal is to cut back, take a temporary break, or just share your story, we are here with zero judgment and absolute confidentiality.

Want us to reach out to you?

Leave your details below and a caring member of our team will connect with you quietly and confidentially.

Quiz: Am I Depressed?

We all experience days when we feel down, exhausted, or just completely unmotivated. But when those heavy feelings start lingering, it can be hard to tell if you’re just going through a rough patch or if it’s something more.

This quick, confidential check-in is designed to help you pause and reflect on how you’ve actually been feeling lately. It is completely anonymous, entirely non-judgmental, and takes less than two minutes.

If you answered "Yes" to 3 questions or more:

Finding a gentle path forward

Answering "yes" to one or more of these questions can be a sign that a heavy mood, low energy, or a sense of exhaustion has started to weave its way into your daily life. Carrying this emotional weight is incredibly tiring, but acknowledging how much you have been holding inside is a profound and brave first step toward feeling like yourself again.

    • A gentle next step: You don’t have to navigate these heavy feelings or find the answers all on your own. Simply letting someone else help carry the weight for a moment can offer immense relief.
  • Let's talk it through: We have warm, compassionate people ready to listen and walk alongside you. Whether you are looking for guidance on how to start feeling better, or simply want a safe, confidential space to share what you've been going through—we are here for you.

Want us to reach out to you?

Leave your details below and a caring member of our team will connect with you quietly and confidentially.

Quiz: How Much Drinking Is Too Much?

Is your evening glass of wine a harmless habit, or is it starting to catch up with you? It’s not always easy to tell where “social drinking” ends and “too much” begins.

Take this quick, 2-minute quiz to check in on your relationship with alcohol and get clear, personalized insights.

If you answered "Yes" to more than one question:

Reflecting on your routine and finding balance

Answering "yes" to one or more of these questions can be a sign that alcohol might be starting to take up a bit more space in your mind, routine, or relationships than you would like. It is incredibly common for drinking habits to slowly shift over time, especially during stressful seasons, but realizing you want to look closer at those habits is a brave first step.

  • A gentle next step: You don’t have to make any major, life-altering decisions today. Simply giving yourself permission to talk openly and honestly about where you are can lift a massive weight.
  • Let's talk it through: We have compassionate, real people ready to listen and walk alongside you. Whether your goal is to cut back, take a temporary break, or just share your story, we are here with zero judgment and absolute confidentiality.

Want us to reach out to you?

Leave your details below and a caring member of our team will connect with you quietly and confidentially.