Dr. Jordan Loewenstein participates in the UnitedHealthcare Choice Plus network — the network UMR uses for most employer plans. No referral needed. Free benefits verification before your first visit.
Most patients with UMR have never heard of it before their employer enrolled them. Here's what you actually need to know before booking.
This is the single most important thing to understand about your UMR card. UMR is a third-party administrator (TPA) — in fact, the largest TPA in the United States, serving more than 3,800 employer benefit plans and over 6 million members. UMR doesn't underwrite your insurance. Instead, it administers your employer's self-funded health plan: processing claims, handling customer service, and managing your benefits. The financial risk stays with your employer; UMR runs the back office.
UMR is a wholly-owned subsidiary of UnitedHealthcare (UnitedHealth Group). Most UMR plans give members access to the UnitedHealthcare Choice Plus network — one of the largest PPO networks in the country, with over 1.5 million providers nationwide. In practical terms: if a chiropractor is in-network with UnitedHealthcare Choice Plus, they are in-network for your UMR plan. Dr. Loewenstein participates in the UnitedHealthcare Choice Plus network, so your coverage works here.
UMR and UHSS (UnitedHealthcare Shared Services) are related but separate administrative products under the UnitedHealthcare umbrella. Check what's actually printed on your specific ID card. If the card says UMR, follow the UMR instructions on this page. If it says UHSS, the network routing may be slightly different — call the member services number on the back of your card to confirm before your visit, or call the office at (858) 558-3111 and Dr. Loewenstein's staff will verify for you.
Because UMR administers self-funded plans, every employer's plan is a little different. Here are the three ways to confirm in-network status before your visit.
Go to umr.com → Find a Provider. Select "UnitedHealthcare Choice Plus Network" (or whatever network is printed on your ID card). Enter ZIP code 92122 and search for Dr. Loewenstein's name or the practice NPI: 1194563775.
Call the member services number printed on the back of your UMR ID card — the number varies by employer plan. A common general line is 1-888-438-9135, but the number on your card is authoritative. Ask the rep to confirm in-network status for NPI 1194563775 under your specific plan.
Call the office at (858) 558-3111 and give your UMR member ID. Dr. Loewenstein's staff will pull your benefits, confirm in-network status, check your remaining visits, and tell you your estimated out-of-pocket cost — before you come in.
Coverage is set by your employer — not UMR. These are the typical ranges across most UMR-administered plans. Always verify your specific plan before your first visit.
Benefits shown are typical ranges across UMR-administered employer plans — your specific plan may differ. Coverage is determined by your employer's plan document, not by UMR. Always verify with member services using the number printed on the back of your UMR ID card before your first visit.
Patients who spend 10 minutes on this before booking never get surprised by a bill. Call the member services number printed on the back of your UMR ID card — the number varies by employer plan (a common general line is 1-888-438-9135, but the number on your card is authoritative) — and ask these questions. Or let the office do it for you.
Ask: "What network am I in — UnitedHealthcare Choice Plus, or a different UHC network?" — Most UMR plans use Choice Plus, but the exact network is on your card.
Ask: "Is Dr. Jordan Loewenstein in-network under my plan?" — Give them NPI 1194563775 for a definitive answer.
Ask: "What is my deductible, and how much of it have I met this plan year?" — Your out-of-pocket cost per visit depends heavily on this.
Ask: "How many chiropractic visits remain in my plan year?" — And whether chiropractic is combined with OT/PT in a shared visit pool.
Ask: "Is pre-authorization required for chiropractic under my specific plan?" — Most commercial UMR plans don't require it, but some employer designs do. Do not assume.
Ask: "What is my in-network coinsurance or copay for chiropractic?" — Some plans have a flat copay per visit; others apply coinsurance after deductible. Confirm which applies to you.
Or skip all of this. Call the office at (858) 558-3111 with your UMR ID card handy and Dr. Loewenstein's staff will pull your benefits directly. It's free and takes about 5 minutes.
The cost difference between seeing an in-network and out-of-network chiropractor with UMR is significant. Here's how it typically breaks down.
Seeing an out-of-network chiropractor with UMR means paying a higher deductible first, then paying a higher coinsurance rate — without it counting toward your in-network out-of-pocket maximum. Over a typical 10-visit treatment course, the difference between in-network and out-of-network costs can add up substantially. Dr. Loewenstein is in the UnitedHealthcare Choice Plus network, so you get the full in-network benefit of your UMR plan.
UMR chiropractic benefits apply to musculoskeletal conditions of the spine, neck, and joints. These are the most common reasons patients come in from La Jolla, UTC, University City, and the UCSD area.
The questions UMR patients ask most before their first chiropractic visit in San Diego — answered plainly.
Yes. Most UMR insurance plans cover chiropractic care as a benefit under Outpatient Physical Medicine or Rehabilitation services. Because UMR is a third-party administrator for self-funded employer plans, the specific coverage — including visit limits, copays, and deductible requirements — is determined by your employer's plan. Call the member services number on the back of your UMR ID card to confirm your chiropractic benefits before your first visit.
No referral is required for most UMR insurance plans. UMR's most common network — UnitedHealthcare Choice Plus — is an open-access PPO, meaning members can self-refer directly to any in-network specialist, including chiropractors, without needing to see a primary care physician first. You can call and book directly.
Most UMR plans allow 20 to 30 chiropractic visits per plan year, often counted as part of a combined Outpatient Physical Medicine / Chiropractic benefit. Some employer plans apply a dollar cap instead, sometimes shared with massage therapy and acupuncture. Your exact limit is set by your employer's plan — call the number on the back of your UMR ID card to check how many visits remain this year.
UMR is not the same as UnitedHealthcare, but it is a wholly-owned subsidiary of UnitedHealthcare (UnitedHealth Group). UMR is a third-party administrator (TPA) that manages self-funded employer health plans. In practical terms, most UMR members access providers through the UnitedHealthcare Choice Plus network — so any chiropractor who participates in that network is considered in-network for UMR members. Dr. Loewenstein participates in UHC Choice Plus.
Visit umr.com, click "Find a Provider," and select "UnitedHealthcare Choice Plus Network" from the network list. Enter ZIP code 92122 (La Jolla/UTC) and search for chiropractors. Alternatively, call the member services number printed on the back of your UMR ID card and ask for in-network chiropractors near you. Dr. Loewenstein's NPI is 1194563775 — giving the rep this number confirms in-network status in under a minute.
It depends on your specific employer plan. For most commercial UMR plans, routine chiropractic visits do not require pre-authorization — but some employer plan designs do include pre-auth requirements. This is different from UnitedHealthcare Medicare Advantage plans, which have separate pre-authorization rules. To know if your plan requires pre-auth, call the member services number on your UMR ID card and ask specifically about chiropractic pre-authorization.
Before your first visit, call the member services number on the back of your UMR ID card and ask: (1) Is this chiropractor in-network under my plan? (2) What is my deductible, and has it been met? (3) How many chiropractic visits remain this plan year? (4) Is pre-authorization required for chiropractic under my plan? (5) What is my in-network coinsurance or copay for chiropractic? Having this information prevents unexpected bills. Or call the office at (858) 558-3111 and the staff will do this for you at no cost.
UMR primarily uses the UnitedHealthcare Choice Plus network for most employer plans — one of the largest PPO networks in the country, with over 1.5 million providers. Depending on the employer plan, UMR may also use other UnitedHealthcare networks including Options PPO, Core, NexusACO, Freedom PPO, and Select Plus. The specific network for your plan is listed on your UMR ID card.
Most UMR PPO plans cover out-of-network chiropractic care, but at a significantly higher cost. Out-of-network services typically involve a separate, higher deductible and a higher coinsurance rate than in-network visits. Those costs also may not count toward your in-network out-of-pocket maximum. Over a typical treatment course, choosing an in-network chiropractor substantially lowers your out-of-pocket costs.
Yes. Dr. Jordan Loewenstein participates in the UnitedHealthcare Choice Plus network, which means UMR insurance members can see him as an in-network provider. The office is located in the La Jolla/UTC area of San Diego (5151 Shoreham Place, Suite 175, 92122) — less than 2 miles from UCSD, serving patients from UTC, University City, Sorrento Valley, Torrey Pines, and Mira Mesa. Call (858) 558-3111 to verify your specific plan benefits before your first visit.
Dr. Loewenstein is currently accepting new UMR patients in La Jolla/UTC San Diego. Call or book online — free benefits verification before your first visit.