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I got the same letter last year.
My insurance has an out of network co-pay once that is met they will pay my therapist what they feel is a "fair market price" amount regardless of what they are billed. But that amount is way more than they were paying my therapist when she was "in network"
I worked out an arrangement with my therapist that is fair for both of us
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“If we could change ourselves, the tendencies in the world would also change. As a man changes his own nature, so does the attitude of the world change towards him. ... We need not wait to see what others do.” Gandhi
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