Further reflecting on my previous response...I think city must make a big difference. In my previous city, many Ts didn't take insurance, but here almost all Ts do. On the other hand, very few pdocs take insurance in this city, particularly child psychiatrists (who are really in demand). Around here, a big place people can go to use their insurance for a pdoc is the university hospital outpatient clinic (although you usually see a resident). Would something like that exist by you?