Therapy that takes UMR in Wisconsin

An administrator for your employer’s plan

UMR is a third-party administrator, rather than an insurance company. It helps employers manage health benefits and process claims. With a self-funded plan, the employer funds the benefits, and the administrator handles the paperwork and services agreed with that employer.

That distinction explains why a general description of the company cannot tell you what a therapy session will cost. Your employer’s plan documents set the benefit. Someone working for a different employer may have the same administrator but different coverage, even when the cards look similar.

Ask about the session you want

I offer video sessions across Wisconsin and walk & talk therapy in the Greenfield area. When checking benefits, describe the format you are considering rather than asking only whether therapy is covered. Ask about outpatient psychotherapy with a Licensed Professional Counselor, including any requirements for that setting.

A medical network listing does not answer every question about mental health services. Ask member services to identify the right behavioral health contact, confirm my network status, and explain any referral or prior authorisation requirements that apply to your sessions.

Keep the answer tied to your current coverage

Have your member ID and group number available during the call so the representative can check the correct employer plan. Ask what you would owe after any deductible, and keep the call reference with the answer. Those details are more useful than a cost someone with another employer was quoted.

If your employer changes plans or sends you a new card, check again before using the old benefit information. If you are having trouble confirming coverage, reach out and we can discuss what still needs checking before your first appointment.

What I’d ask them

• Which provider network applies to my outpatient mental health benefit?
• Is Amanda O’Connell, LPC in network under my employer’s specific plan?
• What would I owe for outpatient psychotherapy, and does my deductible apply first?
• What coverage and requirements apply to video sessions or walk & talk therapy?
• Do I need a referral or prior authorisation before starting?