Guide · updated Oct 29, 2026

Can't find an in-network therapist with openings? Your options

If you've called through the list and nobody in-network can see you, you are not out of options. Here's what to try, roughly in order.

Ask your insurer to find someone for you

Call the member services number on your card and ask them to locate an in-network provider who is accepting new patients. Ask for a reference number for the call.

Ask about a single case agreement

When a plan cannot provide timely in-network care, it may agree to cover an out-of-network provider at in-network cost-sharing for your case. This is called a single case agreement (or network gap exception). It is not guaranteed, but documenting the in-network providers you contacted strengthens the request.

Use out-of-network benefits

PPO and some other plans reimburse part of out-of-network care. Ask the provider for a superbill and submit it to your insurer.

File a complaint

Health plans regulated by your state must meet network adequacy standards. If you can't get timely care, you can file a complaint with your state insurance department (the Colorado Division of Insurance, or the Texas Department of Insurance). Mental health parity law also requires that mental health coverage not be more restrictive than medical coverage.

Widen the search

Try telehealth providers licensed in your state, nearby cities, and group practices, which often have more openings than solo clinicians. Search Now Accepting by city and insurer.

Common questions

What is a single case agreement?

An arrangement where your health plan agrees to cover an out-of-network provider at in-network cost-sharing, usually because no suitable in-network provider is available in a reasonable time or distance.

Who do I complain to about no in-network providers?

Start with your health plan's grievance process. For state-regulated plans, you can also contact your state insurance department; employer self-funded plans are overseen by the U.S. Department of Labor.