For many Americans, seeking the support of a therapist is an essential part of taking care of their mental health. Unfortunately, the rising cost of therapy has put that support out of reach for millions of people. That’s why it’s crucial to understand the coverage provided by your health insurance plan.
Keep reading to gain a better understanding of your All Savers plan, what mental health services are covered, how to check your benefits, and where to find an in-network therapist.
What Is All Savers Insurance?
All Savers Insurance Company operates under the UnitedHealthcare umbrella, which means its members have access to UnitedHealthcare’s large network of providers. Designed for small businesses, these self-funded health plans provide flexibility and customization options that can be tailored to fit the individual needs of employers and employees alike.
PPO Vs. EPO Insurance Plans
All Savers Insurance offers both PPO (Preferred Provider Organization) and EPO (Exclusive Provider Organization) plans, providing policyholders with flexibility and options in their healthcare coverage.
PPO Plans: With a PPO plan, you have the freedom to choose any healthcare provider, whether they are in-network or out-of-network. This means that you have the flexibility to see specialists or receive care from providers of your choice without requiring a referral. PPO plans typically offer a broad network of participating providers, ensuring that policyholders have access to a wide range of medical services and professionals. While you may have higher out-of-pocket costs when seeking care from out-of-network providers, PPO plans provide a balance between flexibility and comprehensive coverage.
EPO Plans: On the other hand, an EPO plan offers coverage only for in-network providers and does not provide coverage for out-of-network providers, except in emergency situations. This means that you must seek care from healthcare professionals within the EPO network to have their expenses covered. While EPO plans generally have a narrower network compared to PPO plans, they often come with lower premiums and out-of-pocket costs. If you are comfortable receiving care within a defined network and wish to save on costs, EPO plans can be a cost-effective option.
Does All Savers Insurance Cover Therapy?
All Savers Insurance does cover therapy. The company recognizes the importance of mental health and acknowledges therapy as a valuable treatment option for a wide range of conditions. By including mental health benefits in their plans, All Savers Insurance ensures that their policyholders have access to the necessary support and resources to promote their overall well-being.
Since All Savers plans are typically paid for by employers, therapy coverage will differ for every policy. This means the amount of coverage you may receive toward therapy will vary depending on your specific plan. Most All Savers plans offer at least some coverage, but you should confirm how much your plan provides before booking your first therapy session.
Types of Conditions Covered by All Savers
All Savers Insurance provides coverage for a variety of mental health conditions. Whether you’re dealing with anxiety, depression, bipolar disorder, or other mental health issues, All Savers Insurance understands the significance of these conditions and offers benefits that can help you receive the care you need. Other conditions covered by All Savers Insurance include:
- Postpartum depression/mental health disorders
- Phobias
- Obsessive-compulsive disorder
- Social anxiety
- Mood disorders
- Substance use disorders
It’s important to note that coverage may vary depending on your specific plan, and it’s advisable to consult your insurance policy or contact All Savers Insurance directly for detailed information regarding your coverage.
Types of Therapy Covered by All Savers
All Savers Insurance covers a range of therapy options to ensure that their policyholders have access to various treatment modalities. These may include but are not limited to:
- Cognitive-Behavioral Therapy (CBT)
- Individual Therapy
- Family Therapy
- Group Therapy
- Psychodynamic Therapy
- Dialectal Behavioral Therapy (DBT)
- Sex Therapy
- Acceptance and Commitment Therapy (ACT)
- Addiction treatment
The insurance company aims to provide comprehensive coverage to address the diverse needs of individuals seeking therapy.
Types of Therapy Not Covered by All Savers
While All Savers Insurance provides coverage for a wide range of therapy modalities, there may be some therapies or interventions that are not covered. Alternative therapies, such as art therapy or equine-assisted therapy, are not considered mainstream approaches to mental health treatment and may not be covered.
All Savers also does not cover any therapy provided by therapists who do not have professional licenses in your state. This includes life coaches without additional credentials, as well as alternative therapies like Reiki healing or other energy-based practices that have not been scientifically validated.
Does All Savers Cover Rehab?
Depending on your plan, the state you live in, and the level of care you require, All Savers may cover all or part of the cost of rehab. Your plan may also provide some coverage for substance use disorder treatment, including:
- Inpatient or residential rehab
- Detox programs
- Out-patient rehab
- Medications
What if I Want Online Therapy?
In today’s digital age, online therapy has become increasingly popular and accessible. All Savers Insurance recognizes the value of this convenient option and may provide coverage for online therapy services.
Many All Savers plans cover telehealth services, including online therapy, allowing members to receive mental health care remotely. It is important to verify the coverage for telehealth services under your specific All Savers plan.
What if I Want Couples Therapy?
All Savers Insurance may provide coverage for couples therapy, depending on the details of your plan. You should verify your coverage before booking a couples therapy session because insurance providers don’t commonly offer this type of coverage.
One key reason for this is that relationship issues, in and of themselves, are not considered a mental health diagnosis. Insurance coverage for therapy typically requires a diagnosable mental health condition, and couples therapy is often classified as a non-covered service because it primarily focuses on interpersonal dynamics rather than individual mental health diagnoses.
Another reason is that insurance companies often prioritize cost-effectiveness and may not view couples therapy as a cost-effective treatment option.
Do I Have to See a Doctor First?
With All Savers Insurance, you may not need to see a doctor first. The insurance company typically allows direct access to in-network mental health providers, eliminating the need for a referral.
Still, it’s wise to review your specific plan details for any requirements or restrictions. Seeking therapy often begins with an initial assessment to determine the best course of treatment. In some cases, primary care physicians may provide referrals for therapy, particularly if you’re planning to see an out-of-network provider.
How Do I Check if My Plan Covers Therapy?
There are a few ways to check if your All Savers Insurance plan covers therapy. The simplest is to review your Summary of Benefits document, which should outline the mental health benefits and coverage specifics. This will help you determine how much you’ll need to pay out of your pocket for each therapy visit and show you the cost difference between in-network and out-of-network providers.
You should have received your Summary of Benefits document from your employer when you received your benefits initially. If not, you can also access it through the website by logging into your All Savers account.
Additionally, you can call the customer service hotline for personalized assistance and ask them about the mental health coverage available with your specific plan. You can find that number on the back of your insurance card, or on the website.
How Much Will Therapy Cost with All Savers Insurance?
The cost of therapy with All Savers Insurance depends on various factors, including your specific plan and any deductibles, co-insurance, or co-payments associated with your policy. It’s important to review your plan documents to understand the financial responsibilities involved.
Typically, All Savers Insurance offers coverage with both in-network and out-of-network providers, but the cost-sharing structure may differ. In-network providers often have a set co-payment, while out-of-network providers may require you to satisfy a deductible and pay a percentage of the treatment cost as coinsurance.
With Grow Therapy, the average cost of a therapy session for an in-network therapist with All Savers is $0-75.
In-Network vs. Out-of-Network Providers
All Savers Insurance provides coverage for both in-network and out-of-network providers. In-network providers have established contracts with All Savers Insurance, ensuring negotiated rates and easily accessible service. Out-of-network providers may require additional paperwork, have different coverage structures, and result in higher out-of-pocket costs for policyholders.
To maximize your benefits and minimize expenses, it is recommended to choose in-network providers whenever possible. However, if you have specific preferences or difficulty finding an in-network provider in your area, you may explore out-of-network options.
How Do I Find a Therapist who Accepts My All Savers Insurance?
Finding a therapist who accepts your All Savers Insurance is a relatively straightforward process. All Savers Insurance has an online provider directory where you can search for network providers in your area. By specifying your location and selecting the appropriate search filters, you can easily find therapists who accept All Savers Insurance. Additionally, you can contact the insurance company directly for assistance in finding a therapist that suits your specific needs and preferences.
You can also simplify the process with Grow Therapy. Our marketplace lets you browse therapists who accept All Savers, are in you area, and specialize in your needs. You can even book your appointment directly through the therapist’s profile; most are available within two days.
Find an in-network therapist
Make Mental Health a Priority
Taking care of your mental health is essential, and therapy can be a valuable tool on your journey toward well-being. All Savers Insurance understands the importance of mental health and provides coverage for therapy and a range of mental health conditions. By reviewing your insurance policy, understanding the coverage details, and utilizing the resources provided by All Savers, you can access the necessary care to support your mental health and overall wellness. Remember, always consult your specific plan documents and reach out to All Savers Insurance for personalized information and guidance.
If you’re an All Savers policyholder, don’t wait to take advantage of the mental health coverage. Together, let’s make your mental health journey a priority.
