My experience is that a lot more psychiatrists take insurance than therapists do. I'm not sure you can decide if a psych or a T is better if they don't take insurance. I can understand why they are reluctant to take insurance because of the red tape involved and the fact they usually make less per session.

My T doesn't take my insurance so I have to pay out of pocket, but he is worth it.

Can you get a referral through your insurance?