I have had a 10 year unsuccessful struggle with trying to find a therapist and psychiatrist. I have desperately been trying to find good help.

Recently, I was told that no good therapist or psychiatrist takes insurance. I don't have out-of-network benefits so seeing someone without insurance would require me to take out loan. I really need to finally get the right medication and counseling so I want to make sure it's worth taking out a loan to see someone out of network if that's better.

Can anyone tell me if this is true? Are mental health professionals who don't take insurance really better than those who do?