Is it possible to get new insurance to cover the therapist that I’ve built a good relationship with even though he is out of network?

I started a new job in November so my insurance changed. My therapist is not covered under the new plan so my sessions with him have gone from $25 to $150.

For therapy to be effective, you need to find a therapist that you trust and have a good relationship with. This has been difficult for me to find over the past 16 years. My current therapist has finally been able to help me, but I can't afford to pay $150/session.

In a "fair" world, insurance would cover any therapist that you've built a relationship with. Is there any chance that insurance companies understand this and if so, how can I get my therapist covered?

Also, I've already submitted a superbill to them for my last few sessions and they rejected the claim. I want to appeal but wonder if there is any specific way to frame my appeal.

My old insurance was BCBS of Colorado. New insurance is Cigna. If it matters.

submitted by /u/cjacks55
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