How All Savers Covers Mental Health Therapy

More people are investing time and energy into managing their mental health. Navigating the U.S. insurance system can be confusing, so if you have All Savers Insurance, this guide explains what mental health services are commonly covered, how to verify your benefits, and what costs you might expect.

What is All Savers insurance?

All Savers Insurance Company provides self-funded health plans typically offered through employers, especially small and mid-sized businesses. If your employer offers All Savers coverage, your plan may include mental and behavioral health benefits that help make therapy and other services more affordable.

All Savers operates within the UnitedHealthcare network, which expands access to a large network of providers, including licensed therapists and other mental health clinicians. Coverage details vary by plan, so always check your specific policy documents.

Does All Savers insurance cover therapy?

In general, many All Savers plans cover therapy, both in-person and online, as well as a broad range of mental health services for conditions such as depression, anxiety, substance use disorders, OCD, relationship concerns, stress, and more. Coverage depends on your individual plan, so contact All Savers directly to confirm the exact benefits for your policy: All Savers contact.

Types of therapy All Savers may cover

Coverage varies, but common therapy types that may be covered include:

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

Always verify with your plan or directly with All Savers which therapy types are covered under your benefits.

Does All Savers cover online (telehealth) therapy?

Yes. Many All Savers plans cover telehealth or virtual therapy in addition to in-person sessions. Availability can depend on the platform and state. If you plan to use an online therapy service, confirm that the provider accepts All Savers before scheduling.

Does All Savers cover out-of-network therapy?

Out-of-network coverage may be available in some situations, but it is often more expensive. If you choose an out-of-network provider, you may need to pay upfront and submit documentation (such as a superbill) for possible reimbursement. Check your summary of benefits or contact All Savers to understand your out-of-network options and any required reimbursement process.

How to check if your All Savers plan covers therapy

There are three reliable ways to confirm coverage and learn about costs and requirements for mental health services.

1. Review your All Savers summary of benefits (SOB)

Look for a row labeled something like “If you need mental health, behavioral health, or substance abuse services” and check the outpatient services column. If the “Network Provider” or “Out-of-Network Provider” fields state “not covered,” those services are not included. If they list cost-sharing details such as copays or coinsurance, mental health services are covered.

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

For a sample layout of a completed summary of benefits, All Savers members can review the Centers for Medicare & Medicaid Services example to better understand how an SOB is organized.

2. Contact All Savers directly

The most precise way to verify coverage is to contact All Savers customer support. Use the phone number on the back of your insurance ID card or log into your account on the All Savers website to chat or email a representative. Ask about covered services, in-network provider lists, prior authorization requirements, and any copays, coinsurance, or deductibles that apply.

3. Work with a therapy provider that verifies benefits

Some therapy platforms and clinics will check your insurance for you and share expected out-of-pocket costs before your first session. That verification can remove surprises and help you choose a therapist who accepts All Savers.

How much does therapy with All Savers typically cost?

Costs vary by plan and state. Many All Savers members are either fully covered or pay modest copays. On average, therapy sessions for people with All Savers are in the range of $25–$88 per session after meeting any deductible. If you have not met your deductible or your plan does not cover therapy, out-of-pocket cash rates typically range from $0 to $192 per session. Always confirm your exact cost before scheduling.

Average cost of therapy with All Savers by state

About half of the states listed show average costs of $75 or less, and a majority are $100 or less. The chart above shows Ohio with the widest range ($0–$192) and Kentucky listed as $0 in the sample data; your actual costs will depend on your plan.

Copays and cost-sharing

A copay is a fixed fee you pay for each therapy session and varies by plan. Check the mental health section of your SOB to find copay amounts. If you are unsure whether a copay applies or how much it will be, contact All Savers customer service for clarification.

Sample image

Does All Savers require a referral to see a therapist?

Some All Savers plans may require a referral or prior authorization depending on the health plan rules. UnitedHealthcare, which All Savers partners with, provides digital tools for providers to check eligibility and determine if prior authorization, notification, or a referral is needed. Contact All Savers or your primary care provider to confirm whether a referral is required for your plan.

How to find an All Savers therapist

There are several convenient ways to find a therapist who accepts All Savers:

1. Check your All Savers account or plan documents

Log in to your All Savers portal, read your plan materials, or call the customer service number on your insurance card to find in-network behavioral health providers and learn about referral or authorization requirements.

2. Search on a therapy directory or platform

Many therapy platforms allow you to filter search results by insurer. If you prefer a provider that verifies benefits and gives an estimate of your out-of-pocket costs, look for services that offer insurance verification during booking.

Below are state-specific search links for platforms that list All Savers providers:

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 through All Savers

Log into your All Savers web portal at myallsavers.com to search the provider directory by location, specialty, language, and other filters. The portal can help you find in-network clinicians and review provider information quickly.

Other insurers that commonly cover mental health services

• Aetna
• AmeriHealth Administrators
• AvMed
• Cigna
• Medicare
• United Healthcare
• Wellcare Medicare