Independent automated assessment · 3 signal sources · 59 reviews scanned · analyzed 2026-10-05.
4.6 ★20,238 ratings
100K+Downloads
4+Age rating
76 MBApp size
FreeIn-app purchases
About this app
The UMR app makes it easy to access important details about your health care benefits. Sign in anytime to: • Find costs and care – Search for in-network health care providers, hospitals, and clinics – and see what you can expect to pay. • View your plan details – Find up-to-date plan balances, including any deductibles and out-of-pocket amounts. • Check your claims: Review claim information for recent services and receive paperless copies of your EOBs. • See timely “Things to do” – Get personalized alerts about steps for managing your health and benefits. • Contact us – Reach out for assistance by chat, call or secure messaging.
Preview
Real screenshots from the store listing.
Independent evidence report
Evidence and review signals
This is where the page changes from an app-store listing into an evidence report: findings, important reviews, pricing and a dated history.
Which version this describes
When we ran this analysis, and what the store lists now.
This analysis describes version 2.32.0 of the app, analyzed 2026-10-05 . The app may have changed since.
The store currently lists version 2.32.0, updated 2026-09-11.
What we measured
Each line is a measurement published as a measurement, never a verdict.
Each line is a measurement, published as a measurement. Where we have not looked, the line says so rather than reading as a zero.
Developer replies to reviews
Replies to at least 1 review in 20
Price in the store description
States no price and billing period
Cancelling, in the store description
Does not say how to cancel
Themes reported by reviewers
No theme reported
Counted from the reviews we have read for this app. "No theme reported" means no theme reached our reporting threshold — it is not a finding that nothing is wrong with this app, and we do not say it is.
Five-star share of ratings
80–89% five-star
Arithmetic on the stores' own published rating counts. It says nothing about why the ratings fall where they do.
In the package we scanned
No package has been scanned for this app, so nothing is published about what it ships. That is an absence of evidence about the app, not a finding about it.
Graded bands · predicate set 1.4 · how these are measured
What the analysis found
App-specific findings, grouped by what each one rests on. How they are graded lives on its own page.
One source only — shown, not confirmed 1
A single kind of evidence. We publish these because withholding them would be the bigger distortion, and we do not treat any of them as a finding we stand behind.
From the store listing: Usable without an account
The app's own screens offer a way past sign-up — guest access, skipping, or browsing before registering — rather than gating the product behind an account. The store's privacy disclosure is checked alongside it: that disclosure is self-reported, so it corroborates this credit rather than establishing it.
What we saw: The store privacy disclosure (3 entries) links no contact details or identifiers to the user — consistent with an app that does not require an account. Self-reported by the developer.
Assessment & version history
App changes and Appworthy events in one timeline.
What this app sells
Useful store-disclosed pricing, kept below the app listing.
Business modelFree
Prices and terms as disclosed by the store listing.