I am considered an out-of-network provider with insurances, which means you’ll pay for counseling at the time of the session, and then you’ll seek potential reimbursement. I’ve had people that have received 100% of benefits, and I’ve have had people that had no out-of-network benefits.
 
It’s really important for you to call your insurance company and see what your out-of-network benefits are. Most people have such a high deductible now though, that whether in-network or out-of-network, they end up paying for their sessions anyway. And unless you have a knee surgery or other major surgery planned, a lot of people don’t even hit their deductible.
 
It then becomes a decision of do I want to work with the counselor I feel like I would work best with? Or do I want my insurance company to decide which counselor I should work with?