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Real Recovery works with UMR, a third-party administrator that manages employer health plans rather than selling its own insurance product. Many employer plans include mental health and substance use benefits and often use the UnitedHealthcare and Optum behavioral health networks. Clients can use covered services for detox and residential care through partner facilities, Partial Hospitalization Programs (PHP), Intensive Outpatient Programs (IOP), standard outpatient therapy, and long-term sober living support across Florida.
Addiction rarely stays in one part of life. It touches health, family, work, money, and even the way you see yourself. In Florida, there are signs that the work of prevention and treatment is starting to make a difference, with recent reports showing a drop in overall drug-related deaths and a sharp decline in fentanyl related fatalities. For many families, those numbers represent one thing: there is still real hope if help is used in time.
At Real Recovery, we want access to treatment to match that hope.
Because UMR does not issue the insurance policy itself, coverage for addiction treatment comes from the specific employer plan that UMR administers. Two people can both have UMR on their card, but have very different benefits depending on where they work and which plan their employer chose.
That said, many UMR-administered plans include behavioral health benefits for services such as:
Most employer plans that include these services are required to follow the federal Mental Health Parity and Addiction Equity Act.
In simple terms, parity means that mental health and substance use coverage cannot be more restrictive than coverage for medical or surgical care. So if a plan is generous with hospital stays for medical reasons, it cannot unfairly limit residential or PHP care for addiction.
The result is that many UMR-administered plans will help pay for some or all of medically necessary addiction treatment. The exact details are in the fine print of your plan, but you do not have to dig through that alone. Our admissions team can check your benefits, talk directly with UMR, and translate all of it into plain numbers and simple next steps.
Real Recovery offers a full continuum of care, from the first days of withdrawal through long-term sober housing. UMR-administered plans can often help with many of these services when they meet medical necessity criteria and any prior authorization rules.
Coverage varies by plan. Our team will confirm your specific benefits.
At each level of care, the goal is the same: surround clients with structure, community, and accountability for long enough that recovery skills become a normal part of daily life, not something that disappears as soon as treatment ends.
Real Recovery also understands that addiction rarely exists without other issues. Many clients arrive with anxiety, depression, trauma, legal concerns, or serious financial stress. Our clinical and case management teams work together so that treatment addresses both substance use and the real-world problems that go along with it.
UMR plans are usually built for specific employers, which means they can look very different from one company to the next. To understand what addiction treatment will look like under your benefits, it helps to break the plan into a few key parts.
Important pieces to clarify on a UMR-administered plan
Real Recovery’s admissions team can handle much of this process for you. When you provide your insurance card and basic information, we can:
✅Call the member services number on your card✅Confirm whether Real Recovery and our partner programs are in network✅Ask detailed questions about coverage at each level of care✅Clarify prior authorization requirements and what documentation is needed
By the time you arrive, you will know how your plan works, what it will cover, and how we plan to use it on your behalf.
Your benefits open the door, but the program you choose determines what happens after you walk through it. Real Recovery is designed for clients who are serious about changing their lives and willing to accept structure and accountability.
Clients who use UMR-administered benefits at Real Recovery can expect:
In other words, Real Recovery is not just a place to dry out for a week or two. It is a program built around long-term structure, sober community, and real-life rebuilding, which fits well with employer plans that value stability and return to functioning.
Because UMR administers self-funded employer plans, costs can vary widely from one member to another. Still, most plans follow a similar pattern. Knowing the main cost drivers can help you make sense of the numbers when we review your benefits.
Key factors that influence what you will pay:
To make the financial side as clear as possible, our admissions team will walk through your situation step by step:
✅Review your benefits and identify your deductible, coinsurance, and out-of-pocket maximum.✅Confirm in-network or out-of-network status for Real Recovery and any partner detox or residential programs.✅Estimate your likely costs at each level of care, based on current benefits and expected length of stay.✅Talk honestly about payment options if there is a remaining balance after insurance pays its share.
The goal is simple: remove financial surprises so you can focus on recovery instead of worrying about every bill.
Checking your UMR benefits with Real Recovery is straightforward, confidential, and free. Many clients tell us this phone call feels like the first concrete step toward getting their life back on track.
Here is how the process usually works:
By the time you finish this process, you will know exactly what to expect from your insurance and from us.
Reaching out for help is not a small step, especially when you are worried about the cost of treatment. You do not have to solve that on your own.
At Real Recovery, our team verifies UMR-administered benefits, explains your coverage clearly, and helps you move into care as soon as you are ready. Clients gain access to Florida’s largest sober living network, a strong 12-step-focused community, and up to a year of structured support that bridges inpatient treatment to independent living.
This is more than a short stay in rehab. It is a foundation for long-term recovery built on structure, community, and daily action.
Call 813-373-6762 today to verify your UMR coverage and take the first step.
Real people. Real solutions. Real results.
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