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.
As a UnitedHealthcare company, UMR can offer the resources and savings power of the nation's largest proprietary provider network. Having the strength and backing of a Fortune 25 company also affords us access to powerful technology and capital investments in our systems.