I pay my therapist a lower amount from what she typically charges. Because she is out of network I have to pay upfront then submit her receipt to get reimbursed, which is not the customary 80% but 70% because of her not being a participating provider. I don't mind though because she is a good therapist! As far as how I feel about paying at a reduced rate...I used to feel bad about it but I do the best that I can and my therapist knows that. I recently told her that I wanted to pay her x amount of dollars more because I am able to so we agreed to that.