I had to fight with my ins. co. to get authorization to go to the therapist I'm with now, because she was out of network, but the only therapists they had were males & I needed to go to a female. They also said if you try the therapists on their list & you don't "click" with them, they will authorize a therapist that you feel you can work with & benefit from who is out of the network. Try to see if you can get that kind of authorization.--Suzy A pain, for sure, but worth it money-wise. I couldn't afford to pay out-of-pocket. Also had to do this with my meds provider that I have been with for 6 yrs. My husband's co. changed ins. plans & mail-order drug plans & screwed everything up for me.