My T just bills my video sessions the way he bills a normal session, but I just get partial reimbursement from my insurance company because he's out of network. Would your T be willing to just bill you as a regular session maybe? If not, do you have any preexisting conditions that could put you at higher risk for Covid? If so, it seems like you could challenge your insurance company on that, saying it's not safe to go in person. Or, if your T isn't willing to do in-person sessions yet (I know mine isn't, for example), then you might be able to get an exception.