Benefits of Out-of-Network Therapy

Why Choose Out-of-Network Therapy?

When it comes to your mental health, finding a therapist who truly aligns with your needs, values, and goals can make all the difference. While using in-network insurance benefits may seem like the most straightforward route, choosing to work with an out-of-network (OON) therapist often offers greater flexibility, privacy, and personalization.

Here are some of the key benefits of using out-of-network services for therapy:


Personalized, High-Quality Care

Out-of-network therapists are not bound by the same restrictions imposed by insurance panels. This means:

  • More time and attention devoted to your unique concerns

  • Greater flexibility in choosing the approach, pace, and length of therapy

  • The freedom to work on your goals without needing a diagnosis or jumping through administrative hoops

Increased Privacy & Confidentiality

When you use insurance, your provider may be required to submit session notes, diagnoses, and treatment plans to your insurance company. With OON services:

  • Your records stay between you and your therapist

  • You’re not required to meet criteria for a “medical necessity” diagnosis

  • You maintain more control over your own health information

More Flexibility in Scheduling & Availability

Therapists who are out-of-network can often offer:

  • Evening, weekend, or telehealth appointments that better fit your schedule

  • Longer or more frequent sessions based on your needs, not insurance rules

  • Room to explore issues in depth without the constraints of limited sessions

Access to Specialized Care

If you’re seeking a therapist who offers specific modalities (like IFS, somatic therapy, perinatal mental health, or therapist support) or who deeply understands your background or identity, they may not be in-network. Out-of-network therapy allows you to prioritize:

  • A strong therapeutic fit

  • A therapist with expertise in your specific concerns

  • A provider who aligns with your values, culture, and worldview

You May Still Get Reimbursed

Many PPO insurance plans offer out-of-network reimbursement. This means you can:

  • Pay your therapist directly

  • Receive a superbill to submit to your insurance

  • Get reimbursed for a portion of your session cost

I’m happy to walk you through how to check your OON benefits and submit for reimbursement, it’s often simpler than people expect