I saw WePow's post below, but I don't want to hijack that thread...

I've been seeing new T for about 5 sessions now, and I think I'm finally to a point where I'm beginning to feel some connection. I like her.

She does not contract with insurance, so I pay her rate and then file a claim.

My insurance pays 60% for out-of-network providers...but I found out today that they only pay 60% of TODAY's average rate for providers in my zip code. My T charges $125/hr.

My first claim, insurance paid 60% of $125.

My second claim, they paid 60% of $87 because that was the average rate for that day in my zip code.

Has anyone ever heard of such nonsense??

I called to ask them how am I supposed to plan for my care when the going rate changes daily?? I could be paying $50-$75 per session out-of-pocket?

Not to mention, my T is in a different zip code where the going rate is much higher.

So it makes no sense to me whatsoever.