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UMWA

Rehabs That Take UMWA

UMWA refers to the United Mine Workers of America Health and Retirement Funds, which provide health benefits to eligible retired coal miners and their dependents. Benefits can include drug and alcohol treatment, varying by plan, network and level of care.Kentucky centers listed here name UMWA on their own websites. UMWA Funds coverage often works alongside Medicare, so the order in which each pays can affect what you owe. Before admission, contact the Funds and the facility to ask whether the center participates, whether prior authorization or a referral is needed for detox, residential or outpatient care, and what cost may apply.

Rehab Centers Near You

Drug and Alcohol Rehab Centers That Accept UMWA

Holistic Primary Care – Saint Albans

303 6th Avenue, Saint Albans, WV 25177

5.0★★★★★84

SAMHSA listed

OutpatientTelehealth

Accepts InsuranceAccepts MedicaidAccepts Medicare+2

Co-occurring DisordersTrauma-informedVeterans+6

Holistic Primary Care operates from 303 6th Avenue in Saint Albans. The site sits in Kanawha County, which shapes which public funding routes apply. Nearby communities include Alum Creek, Cross Lanes and Danville. Distance matters here, and the nearest option is not always the one that fits. Outpatient care is delivered here, alongside telehealth appointments and care for co-occurring mental health conditions. Which level fits depends on the assessment rather than on what is available,…

0.8 miCoal River13 miYeager AirportServes20 towns

Substances treated

Adderall Rehab · Concerta Rehab · Dexedrine Rehab · Nicotine and Tobacco Treatment · Nicotine Replacement Therapy · Prescription Stimulant Rehab · Ritalin Rehab · Smoking Cessation Counseling · Smoking Cessation Medication · Stimulant Rehab · +2 more

Levels of care

Evening Treatment · Non-12-Step Rehab · Online Rehab and Telehealth · Outpatient Rehab · Weekend Rehab

Therapies

Cognitive Behavioral Therapy (CBT) · Cognitive Remediation Therapy · Counseling and Therapy · Dialectical Behavior Therapy (DBT) · EMDR Therapy · Evidence-Based Therapy · Family Therapy · Group Therapy · Individual Therapy · Integrated Dual Disorder Treatment · +1 more

Mental health

Alzheimer's and Dementia Care · Co-Occurring Mental Health Conditions · Depression and Anxiety · Depression and PTSD · Depression and Trauma · Family Education Programs · First Episode Psychosis · Mental Health Conditions · Mental Health Treatment · Psychosocial Rehabilitation · +3 more

Groups served

Active Duty Military Dual Diagnosis Rehab · Active Duty Military Medicare Rehab · Active Duty Military Outpatient Rehab · Active Duty Military PTSD Rehab · Active Duty Military Rehab · Active Duty Military Telehealth · Active Duty Military Trauma Rehab · Active Duty Military TRICARE Rehab · Adult Rehab · Couples Rehab · +29 more

Support services

Case Management · Education and Job Training · Health and Wellness Support · Housing and Employment Support · Housing Assistance · Nutrition and Fitness Counseling · Peer Support · Recovery Support Services · Suicide Prevention Services · Vocational Rehabilitation

Insurance accepted

Aetna · BCBS (Blue Cross Blue Shield) · Cigna Healthcare · Medicaid · Medicare · TRICARE · UMWA · VA Community Care · West Virginia Public Employees Insurance Agency (PEIA)

Holistic Inc – Charleston

4815 Maccorkle Avenue SE, Charleston, WV 25304

4.7★★★★★~~113~~

Federally certified

DetoxOutpatientTelehealth+1

Accepts InsuranceAccepts MedicaidAccepts Medicare+3

Co-occurring DisordersMATTrauma-informed+10

Holistic Inc operates from 4815 Maccorkle Avenue SE in Charleston. The site sits in Kanawha County, which shapes which public funding routes apply. Nearby communities include Coal Fork, Danville and Dupont City. West Virginia draws people across long distances for treatment, so travel time is worth weighing against waiting time. Detox and outpatient care are delivered here, alongside medication-assisted treatment, telehealth appointments and care for co-occurring mental health conditions. Which level fits depends on the…

4.3 miElk River3.7 miYeager AirportServes18 towns

Substances treated

Adderall Rehab · Alcohol Detox · Alcohol MAT Friendly · Alcohol Medication Treatment · Alcohol Only Rehab · Alcohol Rehab · Ativan (Lorazepam) Rehab · Beer Addiction Treatment · Benzodiazepine Rehab · Binge Drinking Treatment · +52 more

Levels of care

Aftercare and Continuing Care · Alcohol Detox Program · Ativan (Lorazepam) Detox Program · Benzodiazepine Detox Program · Carfentanil Detox Program · Clonidine and Lofexidine Detox · Cocaine Detox Program · Codeine Detox Program · Continuing Care · Crack Cocaine Detox Program · +37 more

Therapies

12 Step Rehab · Addiction Counseling · Anger Management · Brief Intervention · Cognitive Behavioral Therapy (CBT) · Cognitive Remediation Therapy · Community Reinforcement Approach · Contingency Management · Counseling and Therapy · Couples Counseling · +11 more

Mental health

Groups served

Active Duty Military Detox · Active Duty Military Dual Diagnosis Rehab · Active Duty Military Medicare Rehab · Active Duty Military Outpatient Rehab · Active Duty Military PTSD Rehab · Active Duty Military Rehab · Active Duty Military Suboxone · Active Duty Military Telehealth · Active Duty Military Trauma Rehab · Active Duty Military TRICARE Rehab · +76 more

Support services

Case Management · Community Outreach · Education and Job Training · Employment Support · Health and Wellness Support · Health Education · Hepatitis C Treatment · Housing and Employment Support · Housing Assistance · Intervention Services · +11 more

Insurance accepted

Aetna · BCBS (Blue Cross Blue Shield) · Cigna Healthcare · Medicaid · Medicare · TRICARE · UMWA · VA Community Care · West Virginia Public Employees Insurance Agency (PEIA)

White Tree Medical – South Jordan

10437 South Jordan Parkway, South Jordan, Utah, 84095

4.7★★★★★~~197~~

State licensed

DetoxOutpatientTelehealth+2

Accepts InsuranceAccepts MedicaidAccepts Medicare+4

Co-occurring DisordersMATTrauma-informed+10

10437 South Jordan Parkway in South Jordan puts White Tree Medical inside a short drive of Copperton, Herriman and the towns around them. The practical catchment runs to roughly 7 miles, covering Copperton, Herriman, West Jordan and Riverton. South Jordan sits in Salt Lake County, and the county's own provision is limited enough that this site draws from a wide area. Services run to detox, intensive outpatient and outpatient care. Medication-assisted treatment is part of…

7.8 miTraverse Mountains17 miSalt Lake City International AirportServes12 towns

Substances treated

Adderall Rehab · Alcohol Detox · Alcohol Medication Treatment · Alcohol Only Rehab · Alcohol Rehab · Ativan (Lorazepam) Rehab · Beer Addiction Treatment · Benzodiazepine Rehab · Binge Drinking Treatment · Carfentanil Rehab · +51 more

Levels of care

Aftercare and Continuing Care · Alcohol Detox Program · Ativan (Lorazepam) Detox Program · Benzodiazepine Detox Program · Buprenorphine-Assisted Detox · Carfentanil Detox Program · Clonidine and Lofexidine Detox · Cocaine Detox Program · Codeine Detox Program · Continuing Care · +41 more

Therapies

Addiction Counseling · Brief Intervention · Cognitive Behavioral Therapy (CBT) · Counseling and Therapy · Couples Counseling · Evidence-Based Therapy · Family Therapy · Individual Therapy · Integrated Dual Disorder Treatment · Motivational Interviewing · +1 more

Mental health

Alzheimer's and Dementia Care · Assertive Community Treatment (ACT) · Co-Occurring Mental Health Conditions · Crisis Intervention · Depression and Anxiety · Depression and PTSD · Depression and Trauma · Family Education Programs · First Episode Psychosis · Illness Management and Recovery · +10 more

Groups served

Support services

Case Management · Chronic Illness Management · Community Outreach · Employment Support · Health and Wellness Support · Health Education · Hepatitis C Treatment · HIV Treatment · Housing and Employment Support · Housing Assistance · +7 more

Insurance accepted

Advantra Freedom · Aetna · Ameriben Solutions · BCBS (Blue Cross Blue Shield) · CHAMPVA · Cigna Healthcare · CNIC Health Solutions · Department of Labor OWCP · EBMS · Epoch Group LC · +42 more

A New Start Primary Care LLC – Central City

224 Phillip Stone Way, Central City, Kentucky, 42330

5.0★★★★★13

CARF accredited

DetoxIOPOutpatient+2

Accepts InsuranceAccepts MedicaidAccepts Medicare+3

MATYoung adultsWomen+3

Deaf and HoH

A New Start Primary Care LLC – Central City is located at 224 Phillip Stone Way in Central City, Muhlenberg County, Kentucky and delivers dual diagnosis treatment, intensive outpatient program (IOP), medication-assisted treatment (MAT) and outpatient services (OP). Care runs to a scheduled timetable, so people return home outside sessions. Those looking in the Central City area should confirm current openings when they call. Records for this location come from the federal treatment locator run…

14 miAtkinson Hills31 miOwensboro Daviess County AirportServes7 towns

Substances treated

Adderall Rehab · Alcohol Medication Treatment · Alcohol Rehab · Carfentanil Rehab · Codeine Rehab · Concerta Rehab · Dexedrine Rehab · Fentanyl Patch (Duragesic) Rehab · Fentanyl Rehab · Heroin Rehab · +27 more

Levels of care

Aftercare and Continuing Care · Clonidine and Lofexidine Detox · Continuing Care · Detox by Substance · Detox Centers · Discharge Planning · Evening Treatment · Intensive Outpatient Program (IOP) · Online Rehab and Telehealth · Outpatient MAT Clinic · +5 more

Therapies

12 Step Rehab · Addiction Counseling · Brief Intervention · Cognitive Behavioral Therapy (CBT) · Contingency Management · Counseling and Therapy · Couples Counseling · Evidence-Based Therapy · Family Therapy · Group Therapy · +4 more

Mental health

Co-Occurring Mental Health Conditions · Depression and Anxiety · Mental Health Conditions · Mental Health Treatment · Psychiatric Medication Management · Psychosocial Rehabilitation · Social Skills Training

Groups served

Adult Rehab · Couples Rehab · Men's Dual Diagnosis Rehab · Men's Medicare Rehab · Men's Outpatient Rehab · Men's Rehab · Men's Telehealth · Men's TRICARE Rehab · Women's Dual Diagnosis Rehab · Women's Medicare Rehab · +5 more

Support services

Case Management · Community Outreach · Health and Wellness Support · Housing and Employment Support · Housing Assistance · Intervention Services · Peer Support · Practical Support · Recovery Coaching · Recovery Support Services · +2 more

Languages

CARF Accredited Deaf and Hard of Hearing Rehab · Deaf and Hard of Hearing Dual Diagnosis Rehab · Deaf and Hard of Hearing MAT · Deaf and Hard of Hearing Rehab

Insurance accepted

Aetna · Anthem / Elevance Health · BCBS (Blue Cross Blue Shield) · CareSource · Cigna Healthcare · Humana · Medicaid · Medicare · Molina Healthcare · MultiPlan / PHCS · +3 more

Mountain Laurel Integrated Healthcare – Logan

174 LMAMH Center Road, Logan, WV 25601

4.2★★★★☆10

CARF accredited

DetoxOutpatientTelehealth+2

Accepts InsuranceAccepts MedicaidAccepts Medicare+6

MATTrauma-informedTeens+7

Deaf and HoH

Mountain Laurel Integrated Healthcare operates from 174 LMAMH Center Road in Logan. The site sits in Logan County, which shapes which public funding routes apply. Nearby communities include Chauncey, Crooked Creek and Danville. Distance matters here, and the nearest option is not always the one that fits. Outpatient care is delivered here, alongside medication-assisted treatment and telehealth appointments. Which level fits depends on the assessment rather than on what is available, so the useful first…

17 miSalt River42 miYeager AirportServes19 towns

Substances treated

Adderall Rehab · Alcohol MAT Friendly · Alcohol Medication Treatment · Alcohol Only Rehab · Alcohol Rehab · Beer Addiction Treatment · Binge Drinking Treatment · Carfentanil Rehab · Codeine Rehab · Concerta Rehab · +35 more

Levels of care

Aftercare and Continuing Care · Clonidine and Lofexidine Detox · Continuing Care · Detox by Substance · Detox Centers · Discharge Planning · Evening Treatment · Non-12-Step Rehab · Online Rehab and Telehealth · Outpatient MAT Clinic · +6 more

Therapies

Activity Therapy · Addiction Counseling · Anger Management · Brief Intervention · Cognitive Behavioral Therapy (CBT) · Counseling and Therapy · Dialectical Behavior Therapy (DBT) · Evidence-Based Therapy · Group Therapy · Individual Therapy · +5 more

Mental health

Assertive Community Treatment (ACT) · Co-Occurring Mental Health Conditions · Crisis Intervention · Depression and Anxiety · Mental Health Conditions · Mental Health Crisis Services · Mental Health Treatment · Psychiatric Medication Management · Psychiatric Walk-In Clinic · Psychosocial Rehabilitation · +2 more

Groups served

Adult Rehab · Court Ordered Rehab · DUI and DWI Programs · Early HIV Intervention · Hepatitis Support Services · HIV and Hepatitis Care · HIV Support Services · Men's Dual Diagnosis Rehab · Men's Medicare Rehab · Men's Outpatient Rehab · +32 more

Support services

Languages

CARF Accredited Deaf and Hard of Hearing Rehab · Deaf and Hard of Hearing Dual Diagnosis Rehab · Deaf and Hard of Hearing MAT · Deaf and Hard of Hearing Rehab

Insurance accepted

Highmark Health · Medicaid · Medicare · TRICARE · UMWA · Unicare · VA Community Care

Mountain Laurel Integrated Healthcare – Chattaroy

2954 Buffalo Creek Road, Chattaroy, WV 25667

2.7★★★☆☆3

CARF accredited

DetoxOutpatientTelehealth+2

Accepts InsuranceAccepts MedicaidAccepts Medicare+6

Co-occurring DisordersMATTrauma-informed+8

Deaf and HoH

Mountain Laurel Integrated Healthcare operates from 2954 Buffalo Creek Road in Chattaroy. The site sits in Mingo County, which shapes which public funding routes apply. Nearby communities include Buckhannon, Grafton and Jane Lew. Distance matters here, and the nearest option is not always the one that fits. Outpatient care is delivered here, alongside medication-assisted treatment, telehealth appointments and care for co-occurring mental health conditions. Which level fits depends on the assessment rather than on what…

22 miNorth Fork River Run14 miNorth Central West Virginia AirportServes15 towns

Substances treated

Adderall Rehab · Alcohol Medication Treatment · Alcohol Only Rehab · Alcohol Rehab · Beer Addiction Treatment · Binge Drinking Treatment · Carfentanil Rehab · Codeine Rehab · Concerta Rehab · Dexedrine Rehab · +34 more

Levels of care

Therapies

Mental health

Groups served

Support services

Languages

CARF Accredited Deaf and Hard of Hearing Rehab · Deaf and Hard of Hearing Dual Diagnosis Rehab · Deaf and Hard of Hearing MAT · Deaf and Hard of Hearing Rehab

Insurance accepted

Highmark Health · Medicaid · Medicare · TRICARE · UMWA · Unicare

Westbrook Health Services – Parkersburg (2121 1/2 7th Street)

2121 1/2 7th Street, Parkersburg, WV 26101

2.9★★★☆☆65

SAMHSA listed

OutpatientTelehealth

Accepts InsuranceAccepts MedicaidAccepts Medicare+6

VeteransSeniorsYoung adults+2

Westbrook Health Services operates from 2121 1/2 7th Street in Parkersburg. The site sits in Wood County, which shapes which public funding routes apply. Nearby communities include Blennerhassett, Harrisville and Kanawha. West Virginia draws people across long distances for treatment, so travel time is worth weighing against waiting time. Outpatient care is delivered here, alongside telehealth appointments. Which level fits depends on the assessment rather than on what is available, so the useful first question…

2.6 miLittle Kanawha River6.8 miMid Ohio Valley Regional AirportServes13 towns

Substances treated

Adderall Rehab · Concerta Rehab · Dexedrine Rehab · Nicotine and Tobacco Treatment · Prescription Stimulant Rehab · Ritalin Rehab · Smoking Cessation Counseling · Stimulant Rehab · Vaping Cessation · Vyvanse Rehab

Levels of care

Evening Treatment · Non-12-Step Rehab · Online Rehab and Telehealth · Outpatient Rehab · Weekend Rehab

Therapies

Counseling and Therapy · Evidence-Based Therapy · Group Therapy · Integrated Dual Disorder Treatment

Mental health

Co-Occurring Mental Health Conditions · Crisis Intervention · Depression and Anxiety · Mental Health Conditions · Mental Health Crisis Services · Mental Health Treatment

Groups served

Adult Rehab · Senior Outpatient Rehab · Senior Rehab · Senior Telehealth · Veterans and Military Rehab · Veterans Dual Diagnosis Rehab · Veterans Medicare Rehab · Veterans Outpatient Rehab · Veterans Rehab · Veterans Telehealth · +2 more

Support services

Case Management · Health and Wellness Support · Nutrition and Fitness Counseling · Peer Support · Recovery Support Services · Suicide Prevention Services

Insurance accepted

Aetna · Cigna Healthcare · ComPsych · Health Net (Centene) · HealthSmart · Highmark Health · Humana · Magellan Health · MedBen · Medicaid · +9 more

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Common questions

Answered from what is listed here.

What is UMWA insurance?

UMWA health coverage comes from the UMWA Health and Retirement Funds, a group of union and federally created benefit trusts formed in 1946 that pay health and pension benefits for retired coal miners, their dependents and widows. It serves over 70,000 beneficiaries and is not a commercial insurer.

Its health plans include the Combined Benefit Fund, the 1992 and 1993 Benefit Plans and the Prefunded Benefit Plan. Member questions go to the Call Center at 800-291-1425.

Is the UMWA Funds the same as the United Mine Workers union?

No, the Funds is a separate administrative entity from the United Mine Workers of America, even though the union appoints trustees alongside the Bituminous Coal Operators' Association. Health and pension questions go to the Funds at 800-291-1425, not to the union office in Triangle, Virginia.

Day-to-day operations are carried out by the UMWA Health and Retirement Funds under contract with the UMWA 1974 Pension Trust, with administration based in Washington, DC.

Does UMWA cover drug and alcohol rehab?

Yes, with limits. The UMWA plans pay for emergency hospital detoxification and for alcoholism or drug rehabilitative programs on the outpatient side. Rehabilitation is covered only after an advance determination that the beneficiary is a good candidate, and the program must be state certified or licensed, accredited or otherwise authorized by law.

The 1993 Plan states parity between substance use and medical benefits, with no annual or lifetime dollar limits on that care.

Private Insurance Acceptedhttps://rehabseekers.com/insurance-accepted/private-insurance-accepted/

Does UMWA cover detox?

Yes, emergency hospital care for alcohol detoxification and for drug treatment is a covered inpatient benefit. Under the Combined Benefit Fund and the 1992 Benefit Plan, that emergency stay is limited to seven days, unless a separate condition or mental illness requires a longer stay under the normal hospital rules.

For a non-Medicare beneficiary, the hospital should call Funds Precertification at 800-292-2288. Medicare beneficiaries need Medicare Part A authorization, since Part A pays first.

Hospital Detoxhttps://rehabseekers.com/programs/detox-centers/hospital-detox/

Does UMWA cover inpatient rehab?

Yes, inpatient hospital care for mental illness and alcohol or chemical dependency is covered at 100% of the Funds fee allowance after any copayment, when a physician admits you to an accredited hospital and the stay is medically necessary. No separate residential treatment benefit is described in the plan documents.

On the 1993 Traditional program in 2026 there is no charge at a Participating Provider List hospital, while the Alternate program charges $750 per hospitalization.

Inpatient Rehabhttps://rehabseekers.com/programs/inpatient/

Does UMWA cover outpatient rehab?

Yes, outpatient benefits include psychotherapy, psychological testing, counseling, group therapy and alcoholism or drug rehabilitative programs. The program must be state certified or licensed, accredited or otherwise authorized by law, and rehabilitation requires an advance determination before treatment begins.

Partial hospitalization and intensive outpatient levels are not named in the fetched plan documents, so ask the Funds how a specific program will be paid.

Outpatient Rehabhttps://rehabseekers.com/programs/outpatient/

Does UMWA cover mental health therapy?

Yes, individual psychotherapy, group therapy, psychological testing and counseling are covered when a physician finds them medically necessary and the service is not available free from another source. Hospital confinement for mental illness ordered by a licensed psychiatrist is covered like any other medically necessary hospitalization.

Encounter and self-improvement group therapy, and treatment of school-related behavior problems, are excluded under the Combined Benefit Fund and the 1992 Benefit Plan.

Counseling and Therapyhttps://rehabseekers.com/therapies/counseling-and-therapy/

How much does therapy cost with UMWA?

$20 per visit with a Participating Provider List clinician and $30 out of network on the 1993 Traditional program in 2026, with no deductible. The Alternate program charges $30 and $40. Combined Benefit Fund and 1992 Plan beneficiaries pay $5 per physician visit.

Family out-of-pocket limits cap physician costs at $400 on Traditional and $500 on Alternate, while CBF and 1992 Plan visit copays stop at $100 a year per family.

Individual Therapyhttps://rehabseekers.com/therapies/counseling-and-therapy/individual-therapy/

How many therapy sessions does UMWA cover?

No outpatient visit cap is stated. The 1993 Plan document and the 2026 benefit summaries set no limit on mental health or counseling visits, and no annual or lifetime dollar limits apply to mental health and substance use care. You pay a per-visit copay instead.

Inpatient psychiatric care under the Combined Benefit Fund and 1992 Plan is limited to 90 days over two years and 30 days per episode, with 30 more allowed once by prior authorization.

Counseling and Therapyhttps://rehabseekers.com/therapies/counseling-and-therapy/

Does UMWA need prior authorization for rehab?

Yes, alcohol and drug rehabilitation requires an advance determination of the beneficiary's prospects for rehabilitation, and the program must have sign-off from the plan administrator. Inpatient hospital stays, rehabilitative therapy and mental health services should also be precertified by the provider at 800-292-2288.

Precertification and case management run through the Funds' Medical Management office in Nashville, Tennessee. For inpatient care, Medicare beneficiaries need Medicare Part A authorization instead.

Inpatient Rehabhttps://rehabseekers.com/programs/inpatient/

Does UMWA cover out-of-network rehab?

Yes, but at a higher cost. Non-cooperating and non-Participating Provider List providers may bill above the Funds' payment. On the 1993 Traditional program in 2026, a non-PPL inpatient stay is paid at 90% of the PPL rate, with the member owing the rest up to $600.

About 23,000 Cooperating Funds Providers accept the Funds payment in full apart from copays and do not balance bill, which keeps costs predictable.

Private Insurance Acceptedhttps://rehabseekers.com/insurance-accepted/private-insurance-accepted/

Who handles UMWA prescription coverage?

CVS Caremark is the pharmacy benefit processor for the UMWA Health and Retirement Funds, with more than 68,000 network pharmacies. Generic substitution is required where a generic exists, and non-preferred drugs need a medical necessity prior authorization. The pharmacy line is 800-294-4741.

Retail copays are $5 under the Combined Benefit Fund and 1992 Plan, and $15 at network pharmacies on the 1993 and Prefunded plans, with $30 out of network.

Medication Assisted Treatment (MAT)https://rehabseekers.com/medications/mat/

Does UMWA work with Medicare?

Yes, beneficiaries eligible for Medicare must enroll in Parts A and B. Funds coverage is delayed until Part B begins and is suspended if either part is cancelled. Under a special arrangement with Medicare, the Funds processes and pays Part B benefits, while Part A claims go through Medicare with the Funds paying second.

Show the Funds health card to physicians and the Medicare card at hospitals. The Funds discourages Part D enrollment and does not recommend Medicare Advantage.

Medicare Rehabhttps://rehabseekers.com/insurance-accepted/medicare/

How do I find a rehab that takes UMWA?

Search the Cooperating Providers lookup on the UMWA Funds website by location and specialty, or call the Call Center at 800-291-1425 and choose option 2. Then ask the program whether it is accredited or state licensed and who will request the advance rehabilitation determination.

Programs that name UMWA coverage are listed by state, which narrows the call list before you contact the Funds about costs and precertification.

Private Insurance Acceptedhttps://rehabseekers.com/insurance-accepted/private-insurance-accepted/

What states does UMWA operate in?

Field offices sit in Alabama, Illinois, Kentucky, Ohio, Pennsylvania, Utah, Virginia and West Virginia, with administration in Washington, DC. Eligibility is not restricted by state, so benefits follow eligible retirees anywhere in the country through Cooperating Providers and CVS network pharmacies.

The health call center is in Beckley, West Virginia, and the Kentucky offices are in Madisonville and Pikeville, with membership concentrated in the coalfield states.

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UMWA on a health card means the UMWA Health and Retirement Funds, a group of self-administered union and federally created benefit trusts that pay health benefits for retired coal miners, their dependents and widows. It is not a commercial insurer, and that changes how addiction treatment is authorized, where it can be delivered and what the household pays.

The Funds was created in 1946 through a contract between the United Mine Workers of America and the federal government, and it now serves over 70,000 beneficiaries across its health and pension plans. Four health trusts sit under the same roof: the Combined Benefit Fund, the 1992 Benefit Plan, the 1993 Benefit Plan with its several programs, and the Prefunded Benefit Plan. Which one a household holds decides the copay, the detox limit and the network rules.

This guide sets out what the health plans pay for at each level of care, where an advance determination or precertification is required, what each 2026 program charges for inpatient and outpatient behavioral health, how medication is handled through the pharmacy benefit, and how to find a program that takes Funds payment.

Does UMWA Cover Drug and Alcohol Rehab?

Yes, with conditions. The health plans cover emergency hospital detoxification for alcohol and emergency treatment related to drug use, inpatient hospital care for alcohol and chemical dependency, and outpatient alcoholism and drug rehabilitative programs. Rehabilitation is paid only after an advance determination that the beneficiary is a good candidate, and the program must be licensed, certified or accredited.

The 1993 Benefit Plan states that it provides parity between mental health and substance use benefits and medical and surgical benefits, with no aggregate lifetime or annual dollar limits on them, and lists them as Essential Health Benefits. Medical necessity criteria are available on request, which is worth asking for in writing before an admission is scheduled.

What Does UMWA Pay For at Each Level of Care?

Medical Detox

Emergency hospital detoxification is a named benefit. Under the Combined Benefit Fund and the 1992 Benefit Plan, an emergency stay for alcohol detoxification or a drug-related emergency is covered for up to seven days; a longer stay follows the normal hospital rules where a separate condition or mental illness is being treated. Medical detox delivered in a hospital detox unit fits the benefit wording most cleanly.

Residential and Inpatient

The Medical Benefit Summary lists inpatient hospital care including mental illness and alcohol or chemical dependency, paid at 100% of the Funds fee allowance after any copayment, where a physician admits to an accredited hospital and the stay is medically necessary. No separate residential rehab benefit is described in the plan documents, so care beyond hospital detox is routed through the rehabilitation program provision and its advance determination.

PHP, IOP and Outpatient

Outpatient benefits cover psychotherapy, psychological testing, counseling, group therapy and alcoholism or drug rehabilitative programs when a physician finds them medically necessary. Partial hospitalization and intensive outpatient are not named in the fetched documents, so a household considering a PHP or IOP should ask the Funds how the program will be classified before it starts.

Which plan is on the card? The Combined Benefit Fund is a closed pool under the Coal Industry Retiree Health Benefit Act of 1992. The 1992 Benefit Plan comes from the same law. The 1993 Benefit Plan, created under the 1993 wage agreement and expanded after the 2017 funding legislation, runs as a PPO with a Participating Provider List and several programs: Traditional, Alternate, Post-Legislative, the UMWA Program and Individual Employer Programs. The Prefunded Benefit Plan covers retirees of Carbontronics of Kentucky and Carbontronics of Indiana.

Does UMWA Need Prior Authorization for Rehab?

Yes, twice over. Alcohol and drug rehabilitation needs an advance determination of the prospects for rehabilitation before treatment begins, and inpatient hospital stays, rehabilitative therapy and mental health services should be precertified. Providers call Precertification on 1-800-292-2288, and precertification for Participating Provider List services is the provider’s responsibility rather than the household’s.

Precertification and case management sit with the Funds’ Medical Management office in Nashville, Tennessee. No named medical necessity criteria set appears in the published documents, so an admissions team should ask which standard the reviewer is applying and request the criteria the 1993 Plan says it will supply. The 1993 Plan programs need no referral to see a specialist.

How Does Medicare Change Who Pays First?

Beneficiaries eligible for Medicare must enroll in Parts A and B; Funds coverage is delayed until Part B enrollment and suspended if either part is cancelled. For an inpatient hospital admission, including one for mental illness or chemical dependency, a Medicare beneficiary needs Part A approval and the Funds pays second. A beneficiary without Medicare needs Funds Precertification approval instead.

Which card to show. Show the Funds health card to physicians and non-hospital providers, and the Medicare card at hospitals. The Funds processes and pays Medicare Part B benefits under a special arrangement with Medicare, which is why outpatient Medicare rehab claims can look unusual on paper. The Funds discourages Part D enrollment and does not recommend Medicare Advantage.

How Much Does Rehab Cost With UMWA?

It depends on the plan. In 2026 the 1993 Plan Traditional Program charges no deductible, $20 for an outpatient behavioral health or substance use visit at a Participating Provider List office and $30 elsewhere, and nothing for an inpatient stay at a list hospital; at a non-list hospital the plan pays 90% of the list rate and the beneficiary pays the rest up to $600.

The Alternate Program charges $30 and $40 for those visits and $750 per hospitalization. The Post-Legislative Program carries a $1,000 individual medical deductible with $20 and $30 visits and no charge for a list inpatient stay. The ACNR Individual Employer Program sets $150 family deductibles, $25 and $35 visits and a $25 inpatient copay. Combined Benefit Fund and 1992 Plan beneficiaries pay $5 per physician visit, capped at $100 a year per family.

Typical US market rates before insurance
Level of care	Monthly	Daily
Medical detox (7–14 days)	$1,500 – $5,200 per week	$215 – $745
Residential inpatient	$6,200 – $26,000	$205 – $865
PHP	$7,200 – $14,000	$240 – $465
IOP	$2,700 – $9,200	$90 – $305
Outpatient	$1,300 – $5,200	$45 – $175

Those are the sums a program bills without coverage. Cooperating Providers accept the Funds payment in full apart from copays and do not balance bill, so the gap between the table and the copay is the whole argument for staying inside the network.

Does UMWA Cover Suboxone, Methadone and Other Addiction Medication?

No published policy names buprenorphine, naltrexone or methadone, so the answer has to come from the Funds directly. Call the pharmacy line on 800-294-4741 and ask how the specific product is treated, whether it sits on the Preferred Product Program list, and whether medication-assisted treatment dispensed inside a clinic is billed as a program service rather than a pharmacy fill.

Where the Prescription Is Filled

CVS Caremark processes the pharmacy benefit across more than 68,000 network pharmacies. Generic substitution is required where a generic exists, and a non-preferred drug needs a medical necessity prior authorization, which the prescriber faxes to 1-888-487-9257 or arranges through CVS Caremark on 1-800-294-5979. Retail copays run $5 under the Combined Benefit Fund and 1992 Plan, $15 at a list pharmacy under the 1993 and Prefunded plans and $25 under the Alternate Program.

Specialty and Injectable Products

Under the 1993 Plan every specialty drug needs pre-authorization, and anything on the Specialty Drug List must be dispensed by CVS Specialty Pharmacy at $5 under the Traditional Program or $10 under the Alternate. A long-acting injectable such as the Vivitrol shot or a buprenorphine depot formulation is worth checking against that list before the first appointment.

Which Rehab Centers Are In-Network With UMWA?

A program is in-network when it is one of roughly 23,000 Cooperating Funds Providers, or on the Participating Provider List for a 1993 Plan program. Rehabilitation programs must also be Medicare-approved, state-certified or licensed, accredited or otherwise authorized by law. Status is settled through the Funds provider lookup or the Call Center on 1-800-291-1425, option 2.

Programs that accept UMWA are gathered on the UMWA page, alongside the detox centers, inpatient rehab and outpatient rehab pages. Each listing shows the payments the program says it accepts, its licensing and accreditation, and how far it sits from the nearest airport, which narrows the shortlist before the call that settles network status.

How Do I Find a Rehab That Takes UMWA?

Search the Funds provider lookup by location and specialty, or call the Call Center on 1-800-291-1425 and ask for a Cooperating Provider offering substance use treatment. Then ask the admissions team to start the advance determination and precertification, because a program that treats those two steps as optional is the one most likely to produce a bill later.

Field offices sit in the coalfields and the staff there, including nurses, social workers and In-Field Representatives, help with using benefits, community resources and transport home after a hospital stay. Offices operate in West Virginia at Beckley, Chapmanville and Fairmont, in Pennsylvania at Johnstown and Washington, in Kentucky at Madisonville and Pikeville, and in Alabama, Illinois, Ohio, Utah and Virginia.

Is the UMWA Funds the Same as the United Mine Workers Union?

No. The union says the UMWA Health and Retirement Funds is a separate administrative entity, and health and pension questions go to the Funds rather than to the union office in Triangle, Virginia. The trusts are run by boards of trustees appointed by the union and the Bituminous Coal Operators’ Association, who are the plan administrator and named fiduciaries.

Before an admission: know which plan and program the card names, ask whether the hospital or clinic is a Cooperating Provider or on the Participating Provider List, and confirm that the advance determination for rehabilitation and the precertification call on 1-800-292-2288 have both been made. Where Medicare is in the picture, check that Part A has approved the inpatient stay first.

References and Citations

UMWA Health and Retirement Funds — plan pages, Medical Benefit Summary, copayment summary, provider and pharmacy pages, and contact listings.
UMWA 1993 Benefit Plan document, revised June 1, 2024, and 2026 Summaries of Benefits and Coverage for the Traditional, Alternate, Post-Legislative and Individual Employer Programs.
UMWA Combined Benefit Fund and 1992 Benefit Plan summary plan descriptions, including detoxification and rehabilitation provisions.
Congressional Research Service — reports on the Coal Industry Retiree Health Benefit Act of 1992 and retiree health funding legislation.
RehabSeekers directory listings and market rate research, United States, 2026. Ranges are indicative and vary by facility, length of stay and coverage.