I ended up going to a pdoc that does not take insurance, but that my T prefers to work with. Yes, it's expensive, but to me, it's worth it. I get along really well with the pdoc, and I'm actually terrified of most doctors. My T has a great relationship with him, so that's also a plus.

My pdoc does provide receipts which one can use to file an out of network claim with insurance. However, my insurance's mental health plan pretty much sucks and you have to jump through tons of hoops to even get authorized for any kind of treatment and all treatment has to be pre-authorized. So, I just pay out of pocket and accept that it's a cost I have to account for.