Anyone know how to navigate the healthcare marketplace?

[Laura666]

I have been seeing a CBT for a few months and she implied to me that treatment for my specific issues was out of her wheelhouse. I found an extremely qualified (like not just a google search but citations in scholarly articles) EMDR specialist and had my first appointment with her today and I am feeling so hopeful and comfortable with this therapist. Unfortunately, She is out of my health insurance network, which does not cover ANY out-of-network costs under ANY circumstances. (There really are not very many therapists at all in my network.) The catch is that it is extremely expensive. I can technically afford it, and I know it's probably the most important thing I should be focusing on right now. But it would also mean having to strictly budget every other aspect of my life. (Healthy food, appropriate office clothes that I need after losing weight recently, travel out of state to see my family, etc. would all be unaffordable.)

Does anyone know if a recent PTSD diagnosis might qualify as a reason to change my insurance policy before the next enrollment period? I think a higher premium would still save money in the long run. Again, ill pay out of pocket if I have to but if anyone has any tips or tricks for making it more affordable I would be eternally grateful.

[Blueberry]

That will depend on what country you are in. Undoubtedly not mine. Welcome to the forum 

[Laura666]

That will depend on what country you are in. Undoubtedly not mine. Welcome to the forum 

Thank you, and yeah lol I think it's probably easy to guess what country I'm in based on the health insurance anecdote.