A therapist is considered in-network if they have a contract with your health insurance company to accept a set fee for every session. Working with an in-network therapist is typically more affordable than out-of-network therapists because your health insurance pays the bulk of the therapy session fee and you only pay the copay amount.
How much does it cost to see an in-network therapist?
The cost of an in-network therapy session depends on your deductible and copay amounts. Copays typically ranges from $20 - $40 per session.
However, if you have a high deductible plan, you may have to pay more upfront before your health insurance benefits apply. For example, if you have a deductible of $3,000 and have no other medical costs, you may be paying the same amount overall, whether you see an in-network therapist or an out-of-therapist.
Why is it so hard to find in-network therapists?
Finding an in-network therapist can be difficult in big cities because many therapists choose not to work with health insurances due to low pay, logistical challenges, and privacy reasons. Those who are in-network often don’t have openings because their services are so in-demand.
Find in-network therapists
Find a therapist in-network with your health insurance below: