When a T says they don't take insurance, it usually means they won't submit the insurance paperwork and claims for you. But you can still submit the claims directly to your insurance yourself. It is up to your insurance company to decide if they will reimburse for your T's services. So maybe you don't have to rule this T out. You could call your insurance and ask if they will reimburse for this T's services. Even if out of network, you might get a portion reimbursed. For example, my insurance would pay for 85% of an in network provider and 60% of an out of network provider if I submitted the claims.