I pay 100% out of pocket. I tried to get insurance to reimburse when I first started, but the claims I submitted were denied, even though they had paid 90% for my previous T, who wasn't nearly as good.

My T charges the same fee whether clients can get reimbursed by insurance or not. Riptide, that is a great idea to charge clients less who can't get reimbursed by insurance! I wonder if there is a subtle way I could pass that idea on to T?