I am an in-network provider with Blue Cross Blue Shield PPO. If you have different coverage you may still be able to use your insurance. If I am not in-network with your insurance, I will collect payment from you and will submit your out-of-network claims to your insurer for you. Depending on the specifics of your plan, insurers typically reimburse you for a portion of what you already paid, which can help offset the out-of-pocket cost of therapy.