âMiranda Goshawk's overview of the Patronus Charm. The Patronus Charm (Expecto Patronum) is the most famous and one of the most powerful defensive charms known to wizardkind. It is an immensely complicated and extremely difficult spell that evokes a partially-tangible positive energy force known as a Patronus (pl. Patronuses) or spirit guardian.
UMR stands for :United Medical Resources, Inc. is a national managed care administrator headquartered in Cincinnati, Ohio. UMR processes your health care claims, answers que â¦ stions related to your benefits, and provides you with information to assist you in making informed health care decisions. A team of UMR associates is dedicated specifically to the Grand Valley State University account.
Box 8076 Wausau, Wisconsin 54402-8076 Internet: www.umr.com. UMR will be led by Jay Anliker, formerly president of Fiserv Health. âUnder UMR we feel we have even greater capabilities to serve specific industries such as hospitals, municipal plans, Taft-Hartley plans and retiree benefits administration,â said Anliker.