Audrey Cleary, Ph.D. -
A note on financing: I do not take insurance. Please feel free to contact me for my fee schedule. I accept several electronic forms of payment, including credit card.

If you have insurance with out-of-network benefits (meaning that they will pay for a portion of treatment with clinicians who are not in that plan's network), then the company would reimburse you for part of the cost of therapy after you have met your deductible. The specific amounts covered vary, depending on the details of your plan. To find out about your insurance benefits, you can call the phone number listed on the back of your card (if there is a separate number for mental or behavioral health, call that one) and ask whether your plan covers services with out-of-network mental health providers. 

- If they answer yes, you can ask them to clarify:

 The deductible you have to meet before out-of-network coverage kicks in
 The percentage of the out-of-network provider's fees that they will reimburse, or the dollar amount or percentage that will be your responsibility
 What you will need to do to get reimbursed for out-of-network services

- If they answer no, then your insurance only covers treatment with therapists who take your particular plan. 

Please note that although therapy may seem expensive, it can be very cost-effective.  The benefits often continue after treatment ends, because you will have learned about yourself, found new and healthier perspectives, made behavioral changes for the better, and/or developed new ways of coping that you can use any time.