Jordan Loewenstein, D.C. | La Jolla Chiropractor
UMR Insurance
Chiropractor in
La Jolla, San Diego
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.
Yes. Dr. Jordan Loewenstein is in-network for UMR members at his UTC San Diego clinic. UMR is a UnitedHealthcare company, so chiropractic benefits typically follow the UHC network and rules. Visit limits and copays vary by plan, so his office verifies your exact UMR benefits before your first visit.
Does UMR
cover chiropractic?
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 office at (858) 558-3111 and we'll confirm which product you're on before your visit — it takes us a couple of minutes and saves you a phone tree.
We confirm your coverage before you come in
Send us your name, date of birth and member ID and we’ll contact UMR ourselves. You’ll have your copay, deductible and remaining visit count in writing before your first appointment — there is nothing for you to chase up. Check my benefits →
Your UMR
chiropractic benefits
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. We'll confirm your exact benefits before your first visit — you don't need to chase this down yourself.
Check your benefits before you book
Send me the four details printed on your insurance card and I will call your carrier myself. You'll know your copay, deductible and visit count before your first appointment - no phone tree, no surprises. Most checks come back the same business day.
In-network vs.
out-of-network costs
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.
What brings patients
through the door
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.
UMR insurance &
chiropractic FAQs
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. Send us your plan details and we'll confirm your chiropractic benefits before your first visit — including visit limits, copay, and where you stand against your deductible.
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. Or skip the search entirely and let us verify it — send your plan details and we'll confirm in-network status for 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. We check pre-authorization as part of every benefits verification, so if your plan requires it, we'll know before your first visit and handle the paperwork.
Send us your plan details and we'll confirm all of it before you come in: (1) Is Dr. Loewenstein in-network under your plan? (2) What is your 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.
One doctor.
Every visit.
You will see Dr. Jordan Loewenstein at every appointment. Not an associate, not a rotating schedule of providers, not a five-minute pass-through. Forty-five minutes, one-on-one, start to finish.
He holds a Master’s in Nutrition alongside his Doctorate of Chiropractic, which matters when a recovery stalls and the answer is in how you are sleeping, eating, or loading the tissue between visits.
Ready to use your
UMR benefits?
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.