I am not on any insurance panels. Quite a few insurances do cover out-of-network mental health care. Insurance companies typically cover medical expenses much different than mental health expenses. Medical expenses may be covered at 100% following deductions where Mental Health coverage may be covered at 50% following deductions.
You pay me, and then I fill out a form for you that you submit to your insurance company for reimbursement, if you choose to use insurance.
Blue Cross Blue Shield Blue Advantage covers out-of-network at the same rate 50%, as in network. Here is the website http://www.bcbsnc.com/plans/individuals/pdfs/BlueAdvantage.pdf
Another website that might be helpful to you is the Teacher and State Employees medical plan website. http://www.statehealthplan.state.nc.us/pdf/Trifold.pdf