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In-network UMR online visits — confirmed before you pay

Eligibility & network status verified during intake. If not in-network, you only pay $50 — never a surprise bill.

UMR is the third-party administrator for self-funded employer plans inside the UnitedHealthcare network. Ondoc's clinicians are in-network for UMR members — we verify your specific employer plan's eligibility and benefits during intake, before your card is charged.

How in-network confirmation works
  1. You enter your UMR member ID during intake.
  2. We run a real-time eligibility check against UMR.
  3. You see your copay (or $50 self-pay fallback) before submitting.
  4. A licensed clinician completes the visit and bills UMR directly.
Refills & prior authorization

UMR plans typically use the OptumRx formulary, but your self-funded employer can customize tiers, exclusions, and copays. We check your plan's live formulary before approving any refill so you don't get hit with a surprise tier-3 cost.

UMR routes prior authorizations through OptumRx for most plans; some self-funded employers carve out PA to a separate PBM. Our clinician identifies the correct processor from your member ID and submits the PA electronically.

UMR Member Services: 1-800-826-9781 · umr.com (log in with the member ID from your UMR card, not your UHC card)

Can't find a UMR provider on the portal?

You're not alone — narrow networks, ghost listings, and months-long waitlists are routine. Common UMR member problems:

Also see our guide to ghost networks.

Other plans

See the full list of insurance plans, pharmacies, and platforms behind every visit on our partners page.