Freeman Recovery Center is in-network with UnitedHealthcare, the parent company and claims administrator of UMR, and accepts UMR insurance for cocaine addiction treatment across its Tennessee programs. Whether you are considering medical detox, residential treatment, PHP, or IOP, our team works directly with UMR-administered plans to help you understand what your specific plan may cover.
Verifying your benefits takes minutes and costs nothing. We will confirm coverage details up front so cost does not stand between you and treatment. Call (615) 645-3677 or verify online to get a clear picture of your out-of-pocket exposure before you make any decisions.
Does Freeman Recovery Center Accept UMR for Cocaine Rehab?
Yes. Freeman Recovery Center accepts UMR-administered insurance plans for cocaine addiction treatment in Tennessee, and our team can help you understand how your benefits apply to the level of care you need. Because UMR is a third-party administrator for many employer-sponsored plans, coverage can differ based on your specific plan and employer network configuration.
Our admissions team works regularly with UMR-administered plans and can complete a confidential insurance verification at no cost. We will confirm what your plan covers, check for requirements like prior authorization, and explain what to expect financially before you commit to treatment.
Information for Supporting Someone With Cocaine Addiction Rehab in Tennessee
Supporting someone with cocaine addiction in Tennessee can be challenging, but professional help is available. Encouraging them to seek rehab is an important first step in their recovery journey. Reach out to Freeman Recovery Center to inquire about your cocaine addiction therapy coverage and explore the treatment options available.
At Freeman Recovery Center, we offer personalized programs designed to manage the complexities of cocaine addiction and accept cocaine addiction recovery services coverage under many insurance plans. From medical detox to counseling, our services provide the necessary support for overcoming dependency. Verifying your cocaine addiction therapy coverage ensures that financial concerns don’t stand in the way of getting help. Reach out to us to learn more about how we can assist you and your loved one through this difficult time.
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Contact us to schedule a free addiction or mental health assessment as part of our admissions process.
What Levels of Cocaine Addiction Treatment Does UMR Typically Cover?
Most UMR behavioral health plans cover multiple levels of addiction care, provided treatment is deemed clinically appropriate and medical necessity criteria are satisfied. Here is how that maps to what Freeman Recovery Center offers for cocaine use disorder:
Medical Detox
Cocaine withdrawal does not carry the same acute medical risks as opioid or alcohol withdrawal, but it does produce significant psychological distress, including intense cravings, depression, fatigue, and mood disruption that can require clinical monitoring. FRC’s medically monitored detox, located at the Burns, TN campus, provides 24/7 clinical supervision to manage this process safely and comfortably. UMR plans frequently cover detox when clinical criteria are met and prior authorization is obtained.
Residential Treatment
After detox, residential treatment at the Burns campus gives patients access to structured, immersive care seven days a week. FRC offers both short-term options (7, 14, 21, and 30-day programs) and longer-term residential stays (60, 90, and 180 days). UMR plans often cover residential treatment at varying durations depending on medical necessity documentation. The admissions team handles prior authorization paperwork directly with UMR on your behalf.
Partial Hospitalization Program (PHP)
PHP is daytime clinical programming without overnight stays, making it a common step-down from residential or a starting point for patients whose home environment is stable. FRC’s UMR PHP runs out of the Dickson, TN outpatient facility and is also available through Freeman Recovery Online for patients who need telehealth access. UMR plans with outpatient behavioral health benefits frequently cover PHP when clinical necessity is documented.
Intensive Outpatient Program (IOP)
IOP provides several hours of structured therapy per week, with evening sessions available for working adults and parents who need scheduling flexibility. FRC’s IOP is also available via telehealth. For patients who need stable housing alongside outpatient treatment, sober living options in Middle Tennessee can be arranged. UMR often covers IOP for cocaine use disorder when clinical necessity is documented.
Standard Outpatient
Ongoing outpatient visits for maintenance and continuing care are typically the least intensive level of care and are commonly covered under UMR mental health and substance use benefits. FRC’s standard outpatient services provide continuity of care after PHP or IOP completion.
Check Your UMR Coverage for Cocaine Treatment
Our Facilities That Accept UMR
If you’re looking for cocaine addiction treatment in Tennessee that accepts UMR health insurance, Freeman Recovery Center offers multiple levels of care across two locations. Depending on your needs, options may include detox, residential treatment, PHP, IOP, and standard outpatient services. Call (615) 645-3677 to verify your UMR benefits and find the right program for your recovery.
For detox and residential inpatient care, visit our Burns location at 1615 Highway 96, Burns, TN 37029. For PHP, IOP, and outpatient treatment, visit our Dickson location at 250 State St., Dickson, TN 37055.
How the UMR Process Works for Cocaine Rehab at Freeman Recovery
The insurance verification process at FRC is designed to give you real answers, not vague estimates. Here is what to expect:
- Contact admissions. Call (615) 645-3677 or submit your insurance information online. You can also email Admissions@freemanrecoverycenter.com.
- Provide your UMR member information. The admissions team will need your member ID, group number, and the subscriber’s date of birth. This is the same information found on your insurance card.
- FRC contacts UMR directly. The team reviews your specific plan’s behavioral health benefits, confirms in-network status, and identifies any prior authorization requirements for the level of care you are considering.
- You receive a clear breakdown. Before any admission decision is made, you will know your deductible status, copay or coinsurance obligations, and what documentation UMR requires for coverage approval.
- Same-day admission is available. Once benefits are confirmed and clinical criteria are met, FRC can move quickly. Waiting is not required.
UMR, Mental Health Parity, and Cocaine Use Disorder Coverage
Federal law under the Mental Health Parity and Addiction Equity Act requires that UMR-administered plans cover substance use disorder treatment on the same terms as medical and surgical benefits. Cocaine use disorder is a recognized substance use disorder under the DSM-5, which means it qualifies for behavioral health coverage under plans subject to MHPAEA.
In practical terms, this means UMR cannot impose stricter limitations on cocaine addiction treatment coverage than it does on comparable medical conditions. If your plan covers inpatient medical care, it must cover inpatient addiction treatment under equivalent terms. If you believe a claim was improperly denied, FRC’s admissions team can help you understand your appeal rights and navigate the process.
What You Might Pay Out of Pocket for Cocaine Rehab with UMR Plans
Out-of-pocket costs vary significantly based on your specific UMR plan’s deductible, coinsurance rate, and out-of-pocket maximum. A few common cost factors to be aware of:
- Deductible status: If your annual deductible has not been met, a portion of early treatment costs may apply out of pocket before UMR begins paying.
- Coinsurance: UMR plans commonly include a coinsurance structure after the deductible is met, meaning UMR pays a percentage of approved costs and the patient covers the remainder. The exact split depends on your individual plan.
- Out-of-pocket maximum: Once you reach your plan’s annual out-of-pocket maximum, UMR typically covers 100% of remaining approved costs for the plan year.
- Level of care: Detox and residential treatment generally carry higher per-day costs than PHP or IOP, though all levels may be partially or fully covered depending on your plan.
FRC’s admissions team will walk through these specifics with you after verifying your benefits. For patients with gaps in coverage, Freeman Health Partners operates on a sliding-scale payment model, and state-funded options through TennCare/Medicaid may also be available. The goal is to identify every available resource before cost becomes a barrier.
Frequently Asked Questions: UMR Coverage for Cocaine Treatment
Does UMR insurance cover cocaine addiction treatment in Tennessee?
Most UMR-administered plans include behavioral health benefits that cover cocaine use disorder treatment. Freeman Recovery Center works with UMR-affiliated plans and can verify your specific coverage at no cost. Call (615) 645-3677 to start the process.
What levels of cocaine addiction treatment does UMR cover, including detox, PHP, and IOP?
UMR plans typically cover multiple levels of care, including medical detox, residential treatment, PHP, and IOP, when clinical necessity criteria are met. The specific levels covered depend on your individual plan and the documentation provided. FRC handles prior authorization for each level directly with UMR.
How do I verify my UMR benefits for substance use disorder treatment?
You can verify benefits by calling FRC’s admissions team at (615) 645-3677, submitting your information online at freemanrecoverycenter.com/verify-insurance/, or emailing Admissions@freemanrecoverycenter.com. The verification is free and confidential.
Does UMR cover dual diagnosis treatment for cocaine use disorder and mental health conditions?
Yes, UMR behavioral health benefits generally cover dual diagnosis treatment when both conditions are clinically documented. FRC’s dual diagnosis programs address cocaine use disorder alongside co-occurring conditions like depression, anxiety, and PTSD.
Is cocaine use disorder considered a covered behavioral health condition under UMR?
Cocaine use disorder (CUD) is a recognized substance use disorder under the DSM-5 and qualifies as a covered behavioral health condition under UMR plans subject to federal mental health parity law.
How much will UMR pay for a 30-day residential cocaine addiction treatment stay in Tennessee?
This varies by plan. FRC residential treatment runs approximately $18,000 for a 30-day stay before insurance. What UMR pays depends on your specific deductible, coinsurance structure, and plan-level benefit limits. The admissions team will provide a precise breakdown after verifying your plan details. Call (615) 645-3677 to get started.
Does Freeman Recovery Center accept UMR insurance?
Freeman Recovery Center is in-network with UnitedHealthcare, which serves as the parent company and claims administrator for UMR plans. The admissions team verifies UMR benefits regularly and can confirm your specific plan’s coverage for cocaine addiction treatment in Tennessee.
UMR Insurance Options for Substance Use Treatment
UMR may cover comprehensive addiction treatment services for a range of substances, including opioids and stimulants.
Cocaine Treatment Services Supported by Insurance
Insurance plans differ in what cocaine treatment services they cover. Compare benefits across the major carriers below.
Cocaine Addiction and CUD Info and Statistics in Tennessee
- In 2021 and 2022, 1.69% of Tennessee adults used cocaine during the past year, according to Statista.
- In 2022, there were 892 cocaine-related overdose discharges, with 573 inpatient stays and 319 outpatient visits, according to the Tennessee Department of Health. The age-adjusted rates for cocaine outpatient visits increased from 2021 to 2022, while rates for inpatient stays remained unchanged.
- Out of 68 substance use treatment facilities offering detox services in Tennessee, 38 offered cocaine detoxification, according to the 2022 National Substance Use and Mental Health Services Survey by the Substance Abuse and Mental Health Services Administration (SAMHSA).
- In Davidson County, Tennessee, last year, about 100 per 100,000 people died from an overdose, with cocaine present in about 30% of those cases, according to a report in The Tennessean.
- Babies exposed to cocaine during pregnancy are often born prematurely, with lower birth weights, smaller head circumferences, and shorter lengths compared to those who are not exposed to cocaine in utero, according to the National Institute on Drug Abuse.
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