Why out-of-network therapy may be the best choice for you

When you use your out-of-network benefits, you have more flexibility and freedom in choosing your therapist. While in-network therapists are bound by certain rules set by insurance companies (which can sometimes limit the time or the type of care you receive), out-of-network providers, like myself, are able to offer a more personalized and tailored approach to your therapy.

Here’s why that can be beneficial:

More Control Over Your Care: Out-of-network therapists aren’t restricted by the insurance company’s rules about how often or for how long you can meet. This means we can focus on what works best for you, whether that’s more frequent sessions or longer appointments.

A Better Fit for You: With out-of-network benefits, you have the freedom to choose a therapist who truly feels like a good match for your needs—whether it’s because of their specialization, experience, or the way they approach therapy. Insurance networks sometimes limit your options, and finding the right fit is essential for effective care.

Quality Over Quantity: Sometimes, in-network providers are required to see more clients in a shorter amount of time. This can mean less time to really dive deep into what’s going on for you. When you use out-of-network benefits, there’s more space for us to work at a pace that’s right for you.

Reimbursement: Even though you might pay more upfront when you go out-of-network, many insurance plans will still reimburse you for a portion of the cost. You can check with your insurance provider to see how much they cover. Often, the amount you pay out-of-pocket isn’t as much as it seems once you get reimbursed and, in some cases, may end up being close to the amount of a copayment.

Fewer Limitations: Insurance companies sometimes set limitations on the types of therapy they’ll cover (like the number of sessions). Out-of-network providers don’t have those same restrictions, which means we can work on your issues in a way that makes the most sense for you.