Can I Use Insurance for a Therapist Who Isn’t In-Network? Here’s How It Works
Out-of-Network Therapy Benefits Explained in Chicago & Illinois
You Finally Found the Right Therapist… But They Don’t Take Your Insurance
You found someone who feels like a good fit.
You read their page and thought,
“Finally… someone who gets it.”
And then you see it:
They don’t take your insurance.
Now you’re stuck wondering:
“Does that mean I can’t work with them?”
“Is this going to be too expensive?”
“Do I have any other options?”
If you’ve been here, you’re not alone.
This is one of the most frustrating parts of starting therapy.
But here’s what many people don’t realize:
You may still be able to use your insurance, even if your therapist isn’t in-network.
What Does “Out-of-Network” Therapy Actually Mean?
When a therapist is in-network, they’ve agreed to set rates with your insurance company.
When they’re out-of-network, they haven’t.
That’s it.
It doesn’t mean:
They’re less qualified
Therapy won’t be covered
Or you’re out of options
It just means your insurance works a little differently.
Can I Use Insurance for an Out-of-Network Therapist?
Yes, many insurance plans offer out-of-network benefits.
This means:
You can work with a therapist outside your network
You pay upfront
Your insurance reimburses you for part of the cost
For many people, this opens up more options, not fewer.
How Do Out-of-Network Benefits Work for Therapy?
Here’s a simple breakdown:
1. You attend your session
You pay the full fee at the time of your appointment.
2. You receive a superbill
A detailed receipt your therapist provides for insurance.
3. You submit it
Usually through your insurance portal.
4. You get reimbursed
Insurance sends back a portion of the cost.
That’s the process—simple, just unfamiliar at first.
How Much Will Insurance Reimburse for Therapy?
It depends on your plan, but many reimburse 50%–80%.
But many plans reimburse:
50%–80% of session costs
After your deductible is met
Example:
Session fee: $150
Reimbursement: 70%
You get back: $105
Your cost: $45
Another example:
Session: $180
Reimbursement: 60%
You get back: $108
Final cost: $72
Many people are surprised that therapy can be more affordable than expected.
What’s the Difference Between PPO and HMO Plans?
This part matters a lot.
PPO (Preferred Provider Organization)
See providers in or out of network
Get reimbursed for out-of-network therapy
More flexibility
HMO (Health Maintenance Organization)
Must stay in-network
Out-of-network usually not covered
May require referrals
Not sure which one you have? Check your insurance card or portal.
Why Do People Choose Out-of-Network Therapy?
Because fit matters.
✔ More choice
You’re not limited to a short list.
✔ Better connection
You can choose someone who truly understands you.
✔ Specialized care
Especially for trauma, anxiety, identity, and relationships.
✔ More personalized therapy
More flexibility and depth.
Therapy works best when you feel safe and understood.
When Is Out-of-Network Therapy Worth It?
It may be worth it if:
You haven’t found the right fit in-network
You want culturally responsive care
You’re looking for a specific specialty
You’re tired of starting over
The right therapist can change everything.
What Does Out-of-Network Therapy Actually Cost?
Let’s make it real.
Example 1:
$150 session → 70% reimbursed → $45 final cost
Example 2:
$200 session → 60% reimbursed → $80 final cost
It’s often more accessible than people think.
What Should I Check Before Using Out-of-Network Benefits?
Ask your insurance:
Do I have out-of-network mental health coverage?
What percentage is reimbursed?
What is my deductible?
Has it been met?
How do I submit claims?
How Do I Check My Out-of-Network Benefits? (What to Say)
You can say:
“Hi, I’m looking to start therapy and want to check my out-of-network mental health benefits.”
Then ask:
Do I have coverage?
What percentage is reimbursed?
What’s my deductible?
How do I submit claims?
You don’t need to know everything. Just start here.
Online Therapy in Chicago and Across Illinois
If you’re in Chicago or anywhere in Illinois, figuring out therapy costs and insurance can feel overwhelming, but you don’t have to do it alone.
Many of our clients across Chicago and nearby suburbs come to us unsure about cost and coverage, and worried therapy might be out of reach.
We work with people across Illinois who want clear answers, real support, and therapy that actually fits their life.
We Help You Navigate Insurance (So You Don’t Have To)
At Mindful Healing Counseling, we:
Verify your insurance
Explain your costs clearly
Offer in-network options
Provide superbills
Help you understand everything before you start
You don’t have to figure this out alone.
Not Sure Where to Start?
You might also find these helpful:
You don’t have to figure everything out at once.
Frequently Asked Questions About Out-of-Network Therapy
Can I use insurance for a therapist who isn’t in-network?
Yes. Many plans offer out-of-network reimbursement.
How long does reimbursement take?
Usually 2–4 weeks.
Do all therapists provide superbills?
Most do, but it’s good to ask.
Can I use out-of-network benefits for online therapy?
Yes, many plans cover virtual therapy.
Do I need a diagnosis?
Sometimes insurance requires one, but your therapist will guide you.
Is out-of-network therapy worth it?
It depends, but for many, the right fit makes it worth it.
You Still Have Options
If you’ve been feeling stuck because of insurance…
You may have more options than you think.
Ready to Get Started?
We offer:
Online therapy across Chicago and Illinois
Insurance + out-of-network support
Warm, affirming care
When you’re ready, we’re here.
