What does “in-network” versus “out-of-network” mean?
“In-network” means the therapist has signed a contract and has agreed to accept the reimbursement rate set by that insurance company. Even with in-network therapists you may have a deductible which you will have to meet before insurance begins to cover a portion of therapy costs. At that point, you may be responsible for a co-pay or co-insurance amount, which is usually listed on your card.
“Out-of-network” means the therapist has not signed a contract with the insurance company and charges according to their own fee schedule. Check with your insurance company to find out how therapy with an out-of-network therapist is covered in your plan. Sometimes there is a higher deductible you must meet and/or higher co-pay or co-insurance amounts.
There are some insurance plans which do not offer any coverage for out-of-network services. If that is your situation you may still be able to work with an out-of-network therapist by individual arrangement.