UMR (United Medical Resources)

UMR handles claims for your employer using the UnitedHealthcare network. If your card says UMR, you are almost certainly 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. Moses Medical is in-network for UnitedHealthcare, which means your UMR card works at our office 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 most UMR plans we see include:

• Primary care for annual checkups, sick visits, immunizations, and chronic condition management
• Internal medicine for diabetes, hypertension, respiratory problems, and other complex conditions
• Cardiology for cardiovascular risk screening, EKGs, and cholesterol management
• Dermatology for skin conditions, rashes, acne, and mole evaluations
• Behavioral health for therapy, psychiatric evaluation, and treatment for anxiety and depression
• Pain management for chronic pain, spinal issues, and musculoskeletal problems
• Podiatry for heel pain, bunions, ingrown nails, and diabetic foot exams
• Women’s health for well-woman exams, contraceptive counseling, and cervical cancer screening
• Lab services for on-site blood work, diagnostic panels, and specimen collection
• Radiology for X-rays and imaging

Our billing team confirms your specific plan details before each visit. Your employer sets the copays, deductibles, and coinsurance, not UMR. We check so you know what to expect.

Checking Your UMR Benefits

1. Look at your ID card. It shows your member ID, group number, and network name. Most UMR plans use the UnitedHealthcare Choice Plus or Options PPO network. If you see either of those, Moses Medical is in-network.
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.

Use the UHC network advantage. Because UMR uses the UnitedHealthcare network, any provider who takes UHC likely takes your UMR plan too. At Moses Medical, your primary care, specialists, lab, and radiology are all in-network and in one location. No surprise bills from out-of-network providers.

Preventive care is free by law. Annual physicals, routine blood work, and recommended screenings cost $0 under federal rules, regardless of your deductible. 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.