First, you should ask your insurance company if you have out-of-network benefits for outpatient psychotherapy as part of your plan. If you do, you will want to know what portion of the fee the insurance plan will reimburse you. (Please note, that insurance companies decide what they think a clinician should be charging; so the portion that they reimburse you is based upon what they think the fee should be. Usually my fees are in line with this, but this is helpful to check by asking them what they consider to be “reasonable and customary” for outpatient psychotherapy in my zip code, 07042.) Next, you will want to know what your deductible is. This is the amount you will need to pay, before the insurance will begin to cover a portion of the bill. With this information, you can make an informed decision about what the financial investment will be and whether or not this is doable for you.