You may want to ask your insurance company the following questions regarding out of network reimbursement:
Do I have mental health benefits?
Does my plan offer out-of-network benefits that will reimburse me if I am treated by an out-of-network provider? If so, what percentage of the cost will I be reimbursed? Is my reimbursement based on a maximum allowable charge determined by the insurance company?
How long will it take for me to receive reimbursement?
Is my benefit limited to “parity” diagnoses (certain psychiatric conditions which are covered the same as medical diagnoses)?
What is my deductible and has it been met?