I have discussed insurance/ income with both Ts along with coworkers. The consensus is that therapists who work within a facility or whatever make a lot less than those in private practice.

Some insurances pay horribly. I have cigna which is one of the lower paying insurance so a significant number of people will not take it. There is one company that pays even less. T stopped accepting new clients with it. By the time she paid her rent, billing person, etc she made very little. She would never have stopped seeing an existing client because of the money though.

I suspect on top of all paperwork and hoop jumping from insurance company there is also a wait to get paid. It takes about 6 weeks to receive payment. Due to insurance changes I talked to Emdr T. There is about a 6 week delay between billing and her receiving payment. She sees it as the cost of doing business. I imagine though some providers dont want the wait.

My area has very few Ts who don't accept insurance probably because it is a poor community