Navigating your mental health: a complete guide to All Savers therapy coverage

More and more people have started investing time and effort into managing their mental health. But with the American insurance landscape being so complicated and confusing, it can be tough to understand whether your health insurance covers what you need. If you have All Savers Insurance, this post can help you learn more about what mental health services are covered and what you might need to pay for them.

What is All Savers insurance?

All Savers Insurance Company offers self-funded health insurance products designed for small to mid-sized businesses. If you have coverage with All Savers through your company, you have coverage for certain mental health care needs, which can help make therapy and other mental health care much more affordable.

All Savers plans include access to a wide network of healthcare providers and resources to help you maintain your overall physical and mental well-being. Because All Savers Insurance Company operates under the UnitedHealthcare umbrella, its members have access to UnitedHealthcare’s large network of providers, including therapists and other licensed mental health clinicians.

Does All Savers insurance cover therapy?

Yes, All Savers insurance typically covers therapy — including in-person and online therapy — as well as a wide range of mental health services that are designed to help with substance use disorders, depression, anxiety, stress, relationship issues, obsessive-compulsive disorder (OCD), and more. To confirm that therapy is covered by your specific plan, we recommend you reach out to All Savers directly.

What therapy does All Savers insurance cover?

We recommend that you check which types of therapy your specific All Savers insurance plan covers, but in general, the types of therapy All Savers may cover include:

• Cognitive behavioral therapy
• Dialectical behavior therapy (DBT)
• Family therapy
• Group therapy
• Marriage and couples therapy

Learn more about other types of therapy you might find when seeking mental health care, and be sure to double-check your specific All Savers insurance plan, or reach out to All Savers directly, to understand what therapy may be covered.

Does All Savers insurance cover online therapy?

Yes, All Savers Insurance covers both online therapy (also referred to as telehealth or virtual therapy) as well as in-person therapy. Online therapy through All Savers insurance is available nationwide, based on the platform you may be seeking care through.

You can receive virtual therapy covered by All Savers insurance on Grow Therapy in every state we are available in.

Does All Savers insurance cover out-of-network therapy?

All Savers insurance may cover out-of-network therapy in certain circumstances. If you want to see an out-of-network mental healthcare provider, it may cost much more than seeing an in-network provider.  You may have to pay out of pocket, and you should check beforehand to see if you will be able to file for any kind of reimbursement from All Savers. If you have questions about out-of-network therapy coverage, please refer to your All Savers summary of benefits (SOB) as described below, or contact All Savers directly

How to check if your All Savers insurance plan covers therapy

There are three main ways to find out if your All Savers insurance plan covers therapy and, if so, what it covers and how much it will cost.

1. Check your All Savers “summary of benefits” (SOB)

On the SOB, look for a row titled “If you need mental health, behavioral health, or substance abuse services” and refer to the second column that says “Outpatient services.”

Sample image — your summary of benefits may look different depending on your provider

If the “Network Provider” and/or “Out-of-Network Provider” say “not covered,” then your All Savers insurance plan does not cover mental health services such as therapy.

If the “Network Provider” and/or “Out-of-Network Provider” give cost information, such as a copay or coinsurance, then your All Savers insurance plan does cover mental health services.

To learn more about how an SOB is structured, you can refer to this sample SOB from the Centers for Medicare & Medicaid Services.

2. Contact All Savers directly

Contacting All Savers directly is the best way to get the exact information you need about what types of mental health care are covered.

To find contact information for All Savers, you can:

• Find the phone number to call, located on the backside of your insurance ID card
• Use the All Savers website to log into your account, and either chat or email a representative directly

3. Use a therapy provider like Grow Therapy

On Grow Therapy, you can search for All Savers therapists in your state who provide virtual or in-person care. Once you’ve found and booked an appointment with a therapist who you feel will be a good fit for your needs, Grow Therapy will verify your coverage and benefits and share any out-of-pocket expenses you need to be aware of. With Grow Therapy, there are no unexpected surprises with your therapy coverage.

How much does All Savers therapy cost?

Most people with an All Savers insurance plan will either be fully covered, or have to pay a small copay amount. For most clients, the average cost of therapy with All Savers insurance is $25 – $88 per session, after the deductible has been met. For those who haven’t met their deductible yet, or for whose plan does not cover therapy, the typical cash pay range of cost is $0 to $192 per therapy session.

These are average ranges. If you are insured by All Savers the cost of therapy will depend on your plan’s specific coverage. You should always confirm your out-of-pocket costs before your appointment.

Average cost of therapy with All Savers by state

Looking at the cost of therapy table above, we find that 50% of the states where All Savers is available for therapy have an average cost of $75 of less, and 57% of states with All Savers coverage are $100 or less. The most expensive state for therapy covered by All Savers is Ohio ($0 – $192), and the least expensive state for therapy being Kentucky ($0).

All Savers therapy copay

When paying for therapy, your copay—or copayment—is an important cost you should know about.

The copay is a fixed amount you have to pay for each therapy session. Copays can vary depending on your plan, so it’s important to double-check your copay under the mental health coverage section on your SOB.

If you have any doubts or questions about if you have to pay a copay, or what your copay is, you should reach out to All Savers support directly.

Sample image 

Does All Savers require a referral to see a therapist?

Depending on your specific plan, All Savers insurance may require a referral to see a therapist or receive mental health benefits.

Per UnitedHealthcare (All Savers’ parent company), “Based on health plan requirements, health care professionals can use UnitedHealthcare digital tools to check eligibility and determine if a prior authorization, notification or referral is required.”

To learn more, visit the UnitedHealthcare’s website for more information.

How to find an All Savers therapist

Finding a therapist who is covered by All Savers insurance is not as difficult as you might think. There are several resources available to help you find an All Savers therapist online.

1. Check your insurance plan (if you currently have All Savers insurance)

If you are currently covered by All Savers insurance, the first thing to do is check your insurance plan. This will show you what mental health services are covered, and what you might have to pay for.

You can do this by looking at your All Savers online account, calling the customer service number on your insurance card, or reading your plan documents.

2. Search on Grow Therapy

You can find an All Savers therapist in almost every state within the U.S. using Grow Therapy. Simply select your state from the list below and explore our All Savers therapists in your area.

Search All Savers therapists by state:

Alabama Arizona California Connecticut Washington DC Florida Georgia Hawaii  Illinois Indiana

Iowa Kansas Kentucky Louisiana Maryland Massachusetts Michigan Missouri North Carolina New Jersey

New York Ohio Pennsylvania South Carolina Tennessee Texas Virginia Washington Wisconsin

3. Search directly with All Savers

To access your benefits, you can visit your All Savers web portal. From there, you can search for providers by location, specialty, gender, language, and other factors to help you find a provider that meets your specific needs.

You can read reviews from other patients and see ratings for each provider to help you make an informed decision.

Using the online directory can save you time and effort in finding a mental health provider. Instead of calling multiple providers to see if they accept your insurance, you can quickly and easily find in-network providers in your area with just a few clicks.

For more information on the terms above, and how insurance works in general, please read our guide on how insurance works with mental health care.

Other insurance providers that cover mental health

• Aetna
• AmeriHealth Administrators
• AmeriHealth New Jersey
• AmeriHealth Pennsylvania
• AvMed
• Cigna
• Evernorth
• Harvard Pilgrim
• Husky Health
• Magellan
• Medicare
• Optum
• Oscar
• Oxford
• Superior Health Plan
• Surest
• Tufts Health
• United Healthcare
• United Medical Resources
• UnitedHealthcare Shared Services
• Wellcare Medicare