What Are Out Of Network Benefits And How Can They Help You Save Money?
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Out of Network implies that the therapist is not "in-network" with your insurance company. Building off the above, this means the therapist is not in your insurance company's directory, or "yellow pages."
However, insurance companies recognize that they do not work with every single therapist. They also recognize their in-network database cannot accommodate the demand for therapy, and they likely do not work with enough therapists who have open availability.
Based on your specific plan, or how much you have spent on healthcare expenses otherwise, the insurance company will pay you money back after your sessions to help your work with your therapist become more affordable for you.