When people see “out-of-network,” they often assume therapy will be too expensive. But in reality, using an out-of-network (OON) therapist can sometimes be surprisingly affordable. Here’s why:

Insurance Reimbursement: Many plans reimburse a large portion of OON therapy costs after you meet your deductible.
Fewer Limitations: OON therapists aren’t bound by the same restrictions insurance companies place on in-network care, which often means longer sessions and more personalized support.
Health Savings Accounts (HSA/FSA): You can often use pre-tax dollars to pay for therapy, lowering your overall cost.

Before ruling it out, check your benefits—you may find that OON therapy costs about the same (or even less) than you expected.