The thing I wanted to mention is that I've seen a therapist who wasn't "covered" by my insurance, BUT I could be reimbursed for the sessions by getting an invoice letter from the therapist, listing the dates I was seen, the cost of the session and her diagnosis. I'd download a form off my insurance website, fill it out and send in the invoice.

Now, it would take FOREVER to get the check from the insurance company. Sometimes I'd have to call them and light a fire under their tushie because they took their own sweet time paying me, but I'd eventually get the check. If you really want to see this therapist, go to the insurance company your parent's use and check to see if they cover out-of-network therapists. A lot of people aren't even aware that their insurance does this--they don't advertise it because they don't want customers using their insurance this way.

** Just so you know, you do have to pay your therapist for your session as you go and don't get reimbursed until later, but it is way to see the therapist you want to see.