You are not necessarily stuck with your insurance company's provider list.

Many providers find that there are so many differences in the billing procedures and the service authorization procedures that they can't keep all the rules straight if they work with more than six or seven insurance companies. Some providers find that some of the insurance companies are too much of a pain in the neck to be on their provider list. This doesn't mean, however, that the insurance company won't make a deal with a particular therapist or that a particular therapist won't make a deal with a particular insurance company if someone specifically requests that an arrangement be made. If you hear someone is good and you want to see them, there is usually something that can be worked out. You call your insurance provider and tell them you want to see a particular therapist and see if they will make the arrangements.