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[quote=Anonymous]This isn't that much help, but in case you haven't thought of it ... make sure you're putting money into your company's FSA program, if they have one.  If you're at a 40% tax rate like we are, that brings the $126 down to effectively $75. 
I think you probably can find in-network but it will probably involve a long drive and maybe someone who's not that good.  I think the better approach is to find a therapist with a clear cut plan for what they are going to do, and how long they anticipate it will take.  It's the year upon year of weekly therapy that is really a money drain.  
Also, the prescribing psychiatrist (at least in our case) only needs to see them 4x a year, so that's not too bad.  I am always questioning how much benefit a little kid actually gets from weekly talk therapy...you may also be able to get some of that service for free from your public school -- if she is having anxiety that interferes with her schooling, they may be willing to set aside a weekly or biweekly time for her to meet with the school psychologist, either through an IEP or informally.  The school psychologist might even be more effective, because she will be familiar with the school dynamics and where the stressors are.
Good luck![/quote]

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