Your T has to be licensed in the state where you are physically located when you are being treated. So if you are doing telehealth from your location in your state, and your T is in another state, they have to be licensed or qualified to practice in your state, where you are physically located while you are doing the therapy. This is a law related to licensure, and it applies whether you private pay or use insurance. Private pay does not absolve your T from following licensure laws. Insurance may also have opinions about paying for an out-of-state therapist, but that is different than the licensure laws.

If you travel to your T's state and do therapy from there, then you are fine from a legal/licensure status, assuming the T is licensed in their own state. But, you might need to get prior authorization from your insurance company to pay an out-of-state provider.