Freeman Recovery Center accepts UMR insurance for opioid addiction treatment across multiple levels of care, including medical detox, residential treatment, PHP, IOP, Medication-Assisted Treatment (MAT), at our Dickson and Burns, Tennessee facilities. If you or a family member is dealing with opioid use disorder, you may have more UMR coverage available than you realize.
If you need to know what UMR will actually pay for, our admissions team can verify your benefits confidentially at no cost and typically provide answers the same day you call. Call (615) 645-3677 or submit your information at our virtual insurance verification.
What UMR Covers for Opioid Rehab at Freeman
UMR, a subsidiary of UnitedHealthcare, provides behavioral health benefits that typically extend to opioid use disorder (OUD) treatment across multiple levels of care. As a facility that accepts UMR, Freeman Recovery Center works directly with the plan to determine what your specific policy covers before you ever begin the admissions process.
Under federal mental health parity law, UMR is required to cover substance use disorder treatment at the same level it covers other medical conditions. For most members, this means coverage is available for the full range of opioid treatment services, from medically monitored detox through outpatient programming. What varies by plan is the specific cost-sharing structure: your deductible, copays, coinsurance rates, and whether prior authorization is required for certain levels of care.
The fastest way to know exactly what your plan covers is to let our team run a free verification of benefits (VOB) on your behalf. Call (615) 645-3677 or submit your insurance information online and we will contact UMR directly, pull your behavioral health benefit details, and walk you through what to expect financially before you commit to anything.
Opioid Addiction Rehab and Dependence Information and Statistics in Tennessee
At least three Tennesseans die each day from opioid-related overdoses, according to the Tennessee Hospital Association. In 2020, synthetic opioids, primarily fentanyl, were involved in 78.8% of opioid-related overdose deaths in the state, with 3,032 Tennesseans dying from drug overdoses — a 45% increase from 2019, according to the Tennessee Department of Health.
Most of these deaths involved opioids, particularly synthetic opioids like fentanyl. Approximately 70,000 Tennesseans suffer from opioid addiction, according to the Tennessee Bureau of Investigation. Drug overdose death rates involving cocaine, heroin, and synthetic opioids were notably higher in urban Tennessee counties compared to rural areas, according to the U.S. Centers for Disease Control and Prevention.
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Our Opioid Rehab Levels of Care Commonly Covered by UMR Plans
UMR’s behavioral health benefits for opioid use disorder generally apply across the continuum of care that Freeman Recovery Center provides. Here is how coverage typically maps to each level, though your specific plan terms will determine exact benefit amounts.
Medical Detox for Opioids
Opioid withdrawal causes significant physical discomfort and, in some cases, medical complications that require clinical oversight. The first step for most people entering treatment is detox at FRC’s Burns, Tennessee campus, where clinical staff provide 24-hour supervision throughout the withdrawal process.
UMR typically covers detox when it is deemed medically necessary, which it almost always is for opioid dependence involving heroin, fentanyl, oxycodone, hydrocodone, or other opioids and opiates. Prior authorization is commonly required. Our admissions handles the prior authorization process as part of your intake, so you are not navigating that paperwork alone.
Residential Opioid Rehab
Following detox, many patients transition into residential treatment, also located at the Burns campus. Freeman Recovery Center offers short-term residential options (7, 14, 21, and 30-day programs) and longer-term programs at 60, 90, and 180 days, depending on clinical need.
UMR generally covers residential inpatient rehab for opioid addiction when clinical criteria are met. Coverage duration depends on your plan and the ongoing clinical justification provided by the treatment team. Our clinical staff document progress and medical necessity throughout your stay to support continued coverage where applicable.
PHP and IOP for Opioid Use Disorder
Partial Hospitalization (PHP) and Intensive Outpatient (IOP) are among the most commonly covered levels of care under UMR for opioid use disorder, particularly for members who are stepping down from residential treatment or entering care without first requiring detox.
At Freeman Recovery Center’s Dickson, TN outpatient facility, UMR PHP provides structured daytime clinical programming with the flexibility to live off-site, either at home or in one of FRC’s gender-specific sober living homes in Middle Tennessee. UMR IOP offers several hours of therapy per week, with evening programs available for working adults and parents who cannot attend during daytime hours.
Medication-Assisted Treatment (MAT)
MAT is a clinically validated approach to opioid use disorder that combines FDA-approved medications with counseling and behavioral therapy. Freeman Recovery Center offers MAT integrated across levels of care, and UMR’s behavioral health and pharmacy benefits often cover MAT medications including buprenorphine (Suboxone), naltrexone, and methadone, depending on plan specifics.
If your UMR plan includes MAT coverage, our admissions team can clarify which medications are covered under your pharmacy benefit versus your behavioral health benefit, and what out-of-pocket costs to expect. MAT services are also available through Freeman Health Partners, FRC’s sister medical and psychiatric organization.
Contact Freeman to Verify Your UMR Insurance For Opioid Rehab
Our Facilities That Accept UMR
If you’re looking for opioid addiction treatment in Tennessee that accepts UMR health insurance, Freeman Recovery Center offers multiple levels of care across two locations, including medical detox, residential inpatient rehab, PHP, IOP, and outpatient treatment. Call (615) 645-3677 to explore options and verify what your UMR plan may cover.
For residential inpatient and detox, visit 1615 HWY 96, Burns, TN 37029 (open 24/7). For PHP, IOP, and outpatient services, visit 250 State St, Dickson, TN 37055 (open Monday to Friday, 8am to 9pm).
How to Verify Your UMR Benefits Before Admission at Our Rehab Facility
- Call our admissions line at (615) 645-3677 or submit your insurance information online
- Our admissions team contacts UMR’s behavioral health division directly on your behalf
- We pull your specific benefit levels, including deductibles, copays, coinsurance rates, and out-of-pocket maximums
- We clarify whether prior authorization is required for the level of care being recommended
- We explain your coverage in plain language before any admission decision is made
Questions to have ready when you call:
- Your UMR member ID (found on the back of your insurance card)
- The name of the primary insurance holder if different from the patient
- The specific substances involved, so our team can recommend the right level of care
What UMR Members Typically Pay Out of Pocket at Freeman Recovery
The actual cost you pay for opioid rehab through UMR depends on several factors specific to your plan. General cost components to understand include:
- Deductible: The amount you pay before UMR begins covering services. If you have already met your deductible for the year, you may owe very little.
- Coinsurance: The percentage you pay after your deductible is met. UMR typically pays a set percentage (for example, 80%) and you pay the remainder.
- Copays: Fixed per-visit amounts that may apply to outpatient sessions (PHP, IOP, standard outpatient) rather than a percentage-based cost share.
- Out-of-pocket maximum: Once you reach this limit, UMR covers 100% of covered services for the rest of the plan year. Understanding how close you are to this threshold can significantly affect the financial picture for someone entering treatment.
- In-network status: Freeman Recovery Center is in-network with UMR, which means lower cost-sharing rates apply compared to out-of-network care. Our team will confirm your specific plan terms during the VOB process.
For a general cost reference, a 30-day residential stay at Freeman Recovery Center runs approximately $18,000 before insurance. For patients with active UMR coverage, out-of-pocket costs are typically substantially lower depending on benefit levels and deductible status.
Opioid Treatment at Freeman Recovery Center: What Sets It Apart
Understanding your UMR coverage is the financial piece of this decision. The clinical piece matters just as much.
Freeman Recovery Center has treated opioid use disorder across every level of care since its founding. More than 50% of FRC’s staff are personally in recovery, which means patients work with clinicians and counselors who bring lived experience alongside their clinical credentials. That combination is central to how FRC approaches care, not incidental to it.
For opioid addiction specifically, FRC’s clinical approach draws on several evidence-based frameworks:
- CBT (Cognitive Behavioral Therapy) to identify and restructure the thought patterns that drive compulsive opioid use
- Motivational Interviewing (MI) to build internal readiness for change, particularly useful in early stages of treatment
- Trauma-informed counseling, because unaddressed trauma is frequently a contributing factor in opioid use disorder and is treated alongside the substance use itself
- MAT (Medication-Assisted Treatment) using buprenorphine, naltrexone, methadone, and other FDA-approved medications where clinically appropriate
- Relapse prevention training with specific attention to trigger identification, opioid-specific cravings, and long-term maintenance planning
For patients managing a co-occurring mental health condition alongside opioid addiction, dual diagnosis treatment is integrated into the same clinical structure. Conditions such as PTSD, depression, anxiety, and mood disorders are addressed concurrently rather than sequentially. Treating opioid use disorder without addressing an underlying psychiatric condition leaves a significant contributing factor to relapse unaddressed.
After residential or outpatient treatment, FRC’s alumni engagement program (Aercare) provides ongoing peer connection through a dedicated alumni app, community events, and recovery coaching to support long-term stability.
For more detail on what opioid treatment at Freeman Recovery Center involves clinically, visit the opioid addiction treatment page.
Frequently Asked Questions: UMR Coverage for Opioid Treatment
Does UMR insurance cover opioid use disorder treatment?
Yes. UMR is required under federal mental health parity law to cover substance use disorder treatment, including opioid addiction, at the same level as other medical conditions. Coverage applies to detox, residential, PHP, IOP, MAT, and outpatient services, depending on your specific plan and medical necessity criteria. Freeman Recovery Center’s admissions team can verify your UMR benefits at no charge before you begin.
Is Freeman Recovery Center in-network with UMR?
Yes. Freeman Recovery Center is an in-network provider with UMR. In-network status means your cost-sharing, including deductibles, coinsurance, and copays, will be calculated at the lower in-network rates rather than out-of-network rates. Our admissions team will confirm the specifics of your plan during your free benefits verification.
What opioid rehab levels of care does UMR cover in Tennessee?
Most UMR plans cover the full continuum of opioid rehab services, including medical detox, residential inpatient treatment, Partial Hospitalization (PHP), Intensive Outpatient (IOP), standard outpatient, and Medication-Assisted Treatment (MAT). The specific cost-sharing for each level varies by plan. Our team will pull those details during your free benefits verification.
Does UMR cover medical detox for opioids?
Generally, yes. Opioid detox is typically covered by UMR as a medically necessary service. Prior authorization is often required. Freeman Recovery Center’s admissions team manages the prior authorization process on your behalf during intake, so this does not delay your access to care.
Will UMR pay for residential opioid addiction rehab?
UMR covers residential treatment for opioid addiction when clinical necessity criteria are met. The duration covered depends on your plan and ongoing clinical documentation. FRC’s treatment team provides clinical updates throughout your stay to support continued coverage where warranted.
How do I verify my UMR benefits for opioid treatment?
Call Freeman Recovery Center at (615) 645-3677 or verify insurance online. Our admissions team will contact UMR directly, pull your behavioral health benefit details, and give you a clear picture of your coverage before you make any decisions. The process is free and confidential.
Does UMR cover Medication-Assisted Treatment (MAT) for opioids?
MAT medications for opioid use disorder, including buprenorphine (Suboxone), naltrexone, and methadone, are typically covered under UMR’s behavioral health and/or pharmacy benefits. The specific coverage depends on your plan. Our admissions team will verify MAT coverage as part of your benefits verification and help clarify which medications are covered and at what cost.
Does UMR cover opioid rehab if I have a co-occurring mental health condition?
Yes. UMR covers dual diagnosis treatment, meaning care that addresses both opioid use disorder and a co-occurring mental health condition such as depression, PTSD, or anxiety at the same time. Freeman Recovery Center’s dual diagnosis programming is integrated into the same levels of care rather than treated separately.
UMR Insurance Coverage for Drug Addiction Treatment
UMR may help fund treatment programs for opioid, heroin, methamphetamine, and other substance dependencies.
Insurance Plans Supporting Opioid Recovery Services
Opioid addiction treatment, including detox and medication-assisted care, may be included in your insurance policy. See what each insurer provides below.
Opioid Addiction and OUD Info and Statistics in Tennessee
- Every day, at least three Tennesseans lose their lives to an opioid-related overdose, according to the Tennessee Hospital Association.
- In 2020, synthetic opioids (primarily fentanyl) were involved in 78.8% of opioid-related overdose deaths in Tennessee, according to SAMHSA data.
- In 2020, 3,032 Tennesseans died from drug overdoses, a 45% increase from 2019, according to the Tennessee Department of Health. The majority of these deaths involved opioids, particularly synthetic opioids like fentanyl.
- About 70,000 people in Tennessee have an opioid addiction, according to the Tennessee Bureau of Investigation.
- In 2020, drug overdose death rates involving cocaine, heroin, and synthetic opioids like fentanyl, fentanyl analogs, and tramadol were higher in urban counties in Tennessee than in rural counties, according to the U.S. Centers for Disease Control and Prevention.
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