UMR (United Medical Resources)

UMR handles claims for your employer using the UnitedHealthcare network. If your card says UMR, call us with it and we will check whether your plan is in-network here.

Here is the short version: UMR is owned by UnitedHealth Group. It processes claims for employers who fund their own health plans. Instead of building a separate network, UMR plugs into the UnitedHealthcare provider directory. Because UMR plans are employer-funded and vary from one employer to the next, we check the specific plan on your card against our records before your visit. Our office is at 871B Westchester Ave in the Bronx.

What UMR Plans Usually Cover

Your employer designed your plan and picked UMR to run it. Exact benefits vary by employer, but UMR-administered plans commonly include:

• Primary care for annual checkups, sick visits, immunizations, and chronic condition management
• Primary care for diabetes, hypertension, respiratory problems, and other complex conditions
• Internal medicine for ongoing blood pressure, cholesterol, diabetes, and chronic condition management
• Dermatology for skin conditions, rashes, acne, and mole evaluations
• Mental health visits for evaluation, medication questions or management when appropriate, and referral planning for therapy or counseling when needed
• Podiatry for heel pain, bunions, ingrown nails, and diabetic foot exams
• Lab services for on-site blood work, diagnostic panels, and specimen collection

The billing team can check your specific plan details before each visit. Your employer sets the copays, deductibles, and coinsurance, not UMR. An eligibility response is not a guarantee that a service will be paid, so ask your plan as well.

Checking Your UMR Benefits

1. Look at your ID card. It shows your member ID, group number, and network name. Many UMR plans use the UnitedHealthcare Choice Plus or Options PPO network. Tell us which network your card names and we can check it for you.
2. Log into the member portal. Visit umr.com to view your benefits summary, check past claims, and look up providers. You can also call UMR member services at 1-800-826-9781.
3. Understand your cost structure. Some UMR plans charge a flat copay for primary care and a different copay for specialists. Others require you to meet a deductible before the plan starts paying. Check your benefits summary so the numbers do not catch you off guard.
4. Ask about referral rules. Some employer plans require a PCP referral for specialist visits. Others do not. Your benefits summary or a quick call to UMR will clarify this.

You can also call us at (646) 741-2111 and we will verify your coverage over the phone.

Getting Full Value From Your Employer Plan

Track your deductible. If your plan has one, you pay full price for most services until you hit that number. After that, your plan picks up a larger share. Many people meet their deductible partway through the year and do not realize their remaining visits cost less. Check your deductible balance on umr.com or on your latest explanation of benefits.

Check the network your card names. UMR plugs into UnitedHealthcare networks, but which one your employer selected still decides whether a given office is in network. Tell us the network printed on your card and we can check it. Keeping your primary care, specialist visits, and lab work in one clinic also keeps records and follow-up together.

Preventive care is usually covered in full. Federal rules require most employer plans to cover in-network annual physicals, routine blood work, and recommended screenings at no cost to you, regardless of your deductible. That depends on the office being in network for your plan, so confirm that first, then book your yearly primary care visit even if you feel fine.

Check your EOB after every visit. UMR sends an explanation of benefits that shows what the provider billed, what the plan paid, and what you owe. Compare it to what you actually paid at the office. If the numbers do not match, call our billing team or UMR member services. Spotting errors early keeps your costs accurate.

Call (646) 741-2111 to schedule your appointment.