Did you have any success with this? I just switched from my in network therapist to an out of network one and also switched to the ppo plan because I assumed getting some coverage would be better, even with the increase premium from hmo to ppo. But if they’re only reimbursing $103 it’s actually cheaper to go hmo and fully out of pocket for me. Do you know if that that $103 include the co-pay (as in if there’s a $50 co-pay they’ll reimburse $53) or not? They covered $200 of my in network therapist, so that disparity is insane