If you have health coverage through UMR, you might already know that UMR is a bit different from traditional insurance companies. Because UMR acts as a third-party administrator, often partnering with UnitedHealthcare’s large provider networks, using your benefits for mental health care is usually very straightforward once you know how your plan is set up.
Texas Whole Life Counseling offers virtual counseling for UMR members. You can meet with a licensed professional counselor or supervised associate from the comfort and privacy of your home. Our therapists provide support for anxiety, depression, work stress, relationship changes, and other mental health concerns, with online sessions that fit into your schedule.
How UMR Plans Work for Virtual Therapy in Texas
UMR manages self-funded employer health plans, which are subject to federal mental health parity requirements. For eligible members, virtual therapy can be covered at the same benefit level as in-person outpatient therapy.
When you use your UMR benefits for online counseling with Texas Whole Life Counseling, you can expect:
Direct Claims Coordination
We handle billing directly through your plan’s network system. Your visits automatically count toward your in-network deductible and out-of-pocket limits.
Care Across Texas Without Travel
Connect with an experienced clinician licensed in Texas without worrying about traffic, parking, or taking half a day off work to drive to a clinic.
Private and Encrypted Video Sessions
Every appointment happens over a secure, HIPAA-compliant video link. You can speak openly using your phone, tablet, or computer, knowing your privacy is fully protected.
Understanding Your UMR Network Options
Not every UMR plan has the same coverage. Your employer’s plan determines your copay, deductible, and other rules for using behavioral health benefits.
For most UMR members, behavioral health coverage falls under one of two main network options:
UnitedHealthcare Choice / Choice Plus Network
Claims are processed using UnitedHealthcare’s broad network guidelines, giving you wide access to licensed clinicians.
Custom Employer Networks
Some self-funded plans use custom behavioral health networks managed directly through UMR.
Plan details depend on your employer’s specific setup; verifying your coverage beforehand is an important first step. Our administrative staff is happy to check your UMR details, so you know exactly what to expect.
5 UMR Coverage Questions to Ask
Before you schedule your first video visit, we suggest calling the toll-free customer service phone number listed on your UMR member card.
Here are five practical questions to ask the representative:
- “Does my employer’s UMR plan cover outpatient mental health sessions via video telehealth?”
- “Which primary provider network does my plan use for behavioral health care in Texas?”
- “How much is left on my annual deductible for mental health care?”
- “What is my exact copay or coinsurance amount per virtual session once my deductible is met?”
- “Do I need pre-approval or a doctor’s referral before I begin online counseling?”
Online Mental Health Support Available Through UMR Benefits
Using your UMR plan, you can connect with licensed Texas counselors and supervised associates who provide warm, evidence-based care tailored to what you are going through:
- Individual Virtual Therapy: Helpful, practical counseling for managing generalized anxiety, depression, burnout, life transitions, and stress.
- Support for Specific Audiences: Welcoming virtual care designed for busy professionals, university students, teens, older adults, and members of the LGBTQIA+ community.
- Couples and Relationship Counseling: Work through relationship friction, communication blocks, and major adjustments together over video. (Note: Whether couples therapy is covered depends on your employer’s specific UMR contract language.)
Simple Tech Essentials for Your First Video Session
You don’t need any advanced technology skills or complicated setups to join a virtual therapy appointment. Getting connected is simple and stress-free. All you need is:
- A Device with a Camera: A smartphone, tablet, laptop, or desktop computer with a camera and microphone.
- An Internet Connection: A reliable Wi-Fi network or cellular data plan.
- A Quiet, Private Spot: Any confidential room or quiet space anywhere in Texas where you can talk comfortably without being overheard.
Connect with a UMR-Covered Therapist Today
Taking care of your emotional health should feel straightforward and completely manageable. Contact our intake team today to verify your UMR insurance benefits and get matched with a licensed Texas therapist or supervised associate who meets your needs.
Frequently Asked Questions
Yes, UMR covers online therapy in Texas. Most UMR-administered health plans cover outpatient mental health therapy conducted over secure video platforms in accordance with federal parity guidelines.
UMR is a subsidiary of UnitedHealth Group that acts as a third-party administrator for self-funded employer plans. While UMR is not an insurance carrier itself, it frequently uses UnitedHealthcare’s provider networks to process mental health claims.
Our team can check your plan details directly with UMR for you. You can also call the member phone number on your ID card to ask if our practice is considered in-network for your specific policy.
Yes. Sessions are held through secure, HIPAA-compliant video technology.