I don't know if my psychiatrist of 13+ years takes someone's insurance, but he is not in network for mine, and never has been. I do, however, have out of network benefits so I don't pay 100%. My psychiatrist is an older gentleman and gives his patients, including me, at least 20 minutes. It is even stated on the appointment cards, and from my experience I have always gotten a full 20 mins. When I've shown up quite unwell, he has on occasion likely given me 30 mins. At times of crisis, he has sometimes given me emergency double sessions. He always reserves a double session slot for emergency crisis appointments. Those have surely prevented a number of psychiatric hospitalizations.

He has reduced his patient load over the years. He doesn't wish to retire, but doesn't want hectic days. Given this, he can and does see his long-time patients more, if needed, than most psychiatrists can/do who want maximum money making within each hour. My psychiatrist is one of the most wonderful men I know. I have a great affection for him.

To offset the cost of an out of network psychiatrist, I make sure my therapists and other doctors are in network.