Sean Reckwerdt
Art Therapist, LCAT Verified
Garment District
New York, NY 10018
Offers online therapy
We are considered an Out of Network provider for Cigna, Aetna, BC/BS.
Have you experienced a traumatic event? Are you not sure what to do next? The ability to feel confident in yourself and abilities as well as gaining clarity about what your needs are can be a very challenging process. I am here to guide you back to yourself and assist you in learning skills to help deal with your current symptoms. I have experience working with children and adults providing therapy to individuals experiencing life transitions, anxiety, depression, cultural issues and well as examining the impact of trauma on relationships. *Please book initial appointment on our website- ArtsRX.com
(646) 916-3931
Verified
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Garment District
New York, NY 10018
Offers online therapy
We are considered an Out of Network provider for Cigna, Aetna, BC/BS.
Have you experienced a traumatic event? Are you not sure what to do next? The ability to feel confident in yourself and abilities as well as gaining clarity about what your needs are can be a very challenging process. I am here to guide you back to yourself and assist you in learning skills to help deal with your current symptoms. I have experience working with children and adults providing therapy to individuals experiencing life transitions, anxiety, depression, cultural issues and well as examining the impact of trauma on relationships. *Please book initial appointment on our website- ArtsRX.com
Photo of Ornellia Cole
Ornellia Cole
LCAT-P Verified
Garment District
New York, NY 10018
Offers online therapy
We are considered an Out of Network provider for Cigna, Aetna, BC/BS.
Do you notice patterns of behaviors that you are unsatisfied with? Therapy is a significant step towards working through and facing life's most difficult challenges. I strive to create a safe and nurturing environment in which one feels supported in their efforts to change as well as connected with one's strengths. I work with you to help you overcome life challenges while achieving new goals and reaching new highs! I'm here to listen, support and guide you on a healthy successful path. *Please book initial appointment on our website- ArtsRX.com
(845) 366-3044
Verified
View

Garment District
New York, NY 10018
Offers online therapy
We are considered an Out of Network provider for Cigna, Aetna, BC/BS.
Do you notice patterns of behaviors that you are unsatisfied with? Therapy is a significant step towards working through and facing life's most difficult challenges. I strive to create a safe and nurturing environment in which one feels supported in their efforts to change as well as connected with one's strengths. I work with you to help you overcome life challenges while achieving new goals and reaching new highs! I'm here to listen, support and guide you on a healthy successful path. *Please book initial appointment on our website- ArtsRX.com
Photo of Celeste Finelli
Celeste Finelli
Garment District
New York, NY 10018
Offers online therapy
We are considered an Out of Network provider for Cigna, Aetna, BC/BS.
Do you notice patterns of behaviors that you are unsatisfied with? Therapy is a significant step towards working through and facing life's most difficult challenges. I have worked with adults, adolescents and children treating issues of adjustment, self-doubt, mood swings, trauma and anxiety attacks. When we approach the therapeutic process with curiosity, we can allow ourselves to grow, heal, and thrive. Often, as we connect with our thoughts and feelings in new ways, we can improve relationships and our sense of self. *Please book initial appointment on our website- ArtsRX.com
(845) 478-0009
Verified
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Garment District
New York, NY 10018
Offers online therapy
We are considered an Out of Network provider for Cigna, Aetna, BC/BS.
Do you notice patterns of behaviors that you are unsatisfied with? Therapy is a significant step towards working through and facing life's most difficult challenges. I have worked with adults, adolescents and children treating issues of adjustment, self-doubt, mood swings, trauma and anxiety attacks. When we approach the therapeutic process with curiosity, we can allow ourselves to grow, heal, and thrive. Often, as we connect with our thoughts and feelings in new ways, we can improve relationships and our sense of self. *Please book initial appointment on our website- ArtsRX.com
Photo of Alexander Stadler, Clinical Social Work/Therapist
Alexander Stadler
Clinical Social Work/Therapist, LCSW-R, CDP Verified
Garment District
New York, NY 10001
Offers online therapy
Contacting a therapist can feel awkward and scary. Be assured that your internal and external life can and will improve. We can work at a pace you feel comfortable with. We all want freedom from our emotional pain. Worries or anxiety, anger or depression, insomnia, relationship conflict or traumatic memories may lead to excessive dependence upon food, substances, events, experiences and relationships for relief. Escaping never leads to peace. Thankfully, we all can learn to find a dependable source of peace inside, in our minds and hearts, no matter the external circumstances. I can help you get there.
(646) 783-0821
Verified
View

Garment District
New York, NY 10001
Offers online therapy
Contacting a therapist can feel awkward and scary. Be assured that your internal and external life can and will improve. We can work at a pace you feel comfortable with. We all want freedom from our emotional pain. Worries or anxiety, anger or depression, insomnia, relationship conflict or traumatic memories may lead to excessive dependence upon food, substances, events, experiences and relationships for relief. Escaping never leads to peace. Thankfully, we all can learn to find a dependable source of peace inside, in our minds and hearts, no matter the external circumstances. I can help you get there.
Photo of Peter A Hill, Clinical Social Work/Therapist
Peter A Hill
Clinical Social Work/Therapist, LCSW-R Verified
Garment District
New York, NY 10001
Are your kids driving you crazy? Putting a strain on your marriage? Are you the parent of a young adult who can't seem to leave the nest? Do you worry that your kids don't have the wherewithal to make it on their own? Are you a young adult struggling to find your way? Times of transition can be frustrating and painful for families. It's important to know that it can happen to anyone and it is not your fault. There is a pathway out!
(917) 746-1256
Verified
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Garment District
New York, NY 10001
Are your kids driving you crazy? Putting a strain on your marriage? Are you the parent of a young adult who can't seem to leave the nest? Do you worry that your kids don't have the wherewithal to make it on their own? Are you a young adult struggling to find your way? Times of transition can be frustrating and painful for families. It's important to know that it can happen to anyone and it is not your fault. There is a pathway out!
Photo of OCD, Panic, & Anxiety Treatment Center of NY & NJ, Psychologist
OCD, Panic, & Anxiety Treatment Center of NY & NJ
Psychologist, PsyD Verified
Garment District
New York, NY 10001
Offers online therapy
I negotiate with HMOs and Medicaid to cover me as if I'm in network, refunding up to 100%! Out of network insurance and Medicare refund up to 70% after deductible.
CALL OR EMAIL FOR A FREE CONSULT. It's confidential with no obligation. Everyone I see has OCD, Panic, Agoraphobia, PTSD, or Social Anxiety. These conditions are extremely treatable with the RIGHT kind of DRUG-FREE CBT Exposure therapy. I aim to eliminate symptoms, not just treat or manage them. Clients are liberated to move on with life--get married, prevent divorce or firing, have families, advance or change careers, resume friendships, return children to school--often in the middle of therapy. Therapy doesn't stop at the door. I contact my clients after every session to check on them.
(646) 480-7061
Verified
View

Garment District
New York, NY 10001
Offers online therapy
I negotiate with HMOs and Medicaid to cover me as if I'm in network, refunding up to 100%! Out of network insurance and Medicare refund up to 70% after deductible.
CALL OR EMAIL FOR A FREE CONSULT. It's confidential with no obligation. Everyone I see has OCD, Panic, Agoraphobia, PTSD, or Social Anxiety. These conditions are extremely treatable with the RIGHT kind of DRUG-FREE CBT Exposure therapy. I aim to eliminate symptoms, not just treat or manage them. Clients are liberated to move on with life--get married, prevent divorce or firing, have families, advance or change careers, resume friendships, return children to school--often in the middle of therapy. Therapy doesn't stop at the door. I contact my clients after every session to check on them.
Photo of Lloyd Fider, Clinical Social Work/Therapist
Lloyd Fider
Clinical Social Work/Therapist, LCSW Verified
Garment District
New York, NY 10120
Offers online therapy
I currently accept Cigna, UHC/Oxford and Blue Cross/Blue Shield (no Medicaid), and can work with you on Out of Network benefits for other insurances.
**TELETHERAPY NOW AVAILABLE ANYWHERE IN NY STATE** As they say, the only thing permanent in this world is change. Change, like people, comes in different shapes and sizes. It could be as simple as changing clothes, to more complex ones like a break up, death, or coming out. My goal is to help you manage and deal with changes in your life. By providing you with a safe and comfortable environment and my use of various therapeutic techniques, my hope is that you will feel supported, heard, understood, and obtain the necessary coping skills to help you through this journey called life.
(646) 791-2763
Verified
View

Garment District
New York, NY 10120
Offers online therapy
I currently accept Cigna, UHC/Oxford and Blue Cross/Blue Shield (no Medicaid), and can work with you on Out of Network benefits for other insurances.
**TELETHERAPY NOW AVAILABLE ANYWHERE IN NY STATE** As they say, the only thing permanent in this world is change. Change, like people, comes in different shapes and sizes. It could be as simple as changing clothes, to more complex ones like a break up, death, or coming out. My goal is to help you manage and deal with changes in your life. By providing you with a safe and comfortable environment and my use of various therapeutic techniques, my hope is that you will feel supported, heard, understood, and obtain the necessary coping skills to help you through this journey called life.
Photo of Casey Burke, Art Therapist
Casey Burke
Art Therapist, LCAT, ATR-BC Verified
Garment District
New York, NY 10018
Offers online therapy
We are considered an Out of Network provider for all other insurance companies such as Cigna, Aetna, BC/BS.
Do you continue to repeat unhealthy behavior? Whether these feelings are triggered from the past or are from present day circumstances, stress can be overwhelming. Therapy can provide the tools necessary to regain a sense of balance within your life. My approach is non-judgmental & supportive. We will work together to understand the root of your challenges as well as create positive change so you can find relief from your symptoms. I have experience working with children & adults treating a wide range of areas involving relationship issues, trauma, and stress management. *Please book initial appointment on our website- ArtsRX.com
(646) 798-6868
Verified
View

Garment District
New York, NY 10018
Offers online therapy
We are considered an Out of Network provider for all other insurance companies such as Cigna, Aetna, BC/BS.
Do you continue to repeat unhealthy behavior? Whether these feelings are triggered from the past or are from present day circumstances, stress can be overwhelming. Therapy can provide the tools necessary to regain a sense of balance within your life. My approach is non-judgmental & supportive. We will work together to understand the root of your challenges as well as create positive change so you can find relief from your symptoms. I have experience working with children & adults treating a wide range of areas involving relationship issues, trauma, and stress management. *Please book initial appointment on our website- ArtsRX.com
Photo of Dr. Zonya Mitchell Neuropsychologist, Psychologist
Dr. Zonya Mitchell Neuropsychologist
Psychologist Verified
Garment District
New York, NY 10018
Offers online therapy
My office will bill out of network insurances directly and work with you to lower costs if you have a deductible.
When conducting neuropsychological testing, my mission is to provide a warm and caring environment and to see the complete person so that you leave feeling like you have been heard. As a trained neuropsychologist I understand neurological and neurodevelopmental disorders, as well as attention and learning difficulties and how they affect abilities. Psychological/neuropsychological evaluations include assessment of all brain functioning, academic performance, language, and social/emotional development. My aim is to help determine how you or your child are functioning now and how to best help you move forward.
(646) 652-8156 x301
Verified
View

Garment District
New York, NY 10018
Offers online therapy
My office will bill out of network insurances directly and work with you to lower costs if you have a deductible.
When conducting neuropsychological testing, my mission is to provide a warm and caring environment and to see the complete person so that you leave feeling like you have been heard. As a trained neuropsychologist I understand neurological and neurodevelopmental disorders, as well as attention and learning difficulties and how they affect abilities. Psychological/neuropsychological evaluations include assessment of all brain functioning, academic performance, language, and social/emotional development. My aim is to help determine how you or your child are functioning now and how to best help you move forward.
Photo of Maria Versiani Hinch, Counselor
Maria Versiani Hinch
Counselor, NCPsyA, LMHC
Garment District
New York, NY 10001
I am a certified psychotherapist and treat individuals with symptoms such as anxiety or depression, reflecting deeper unresolved emotional conflicts that need processing and working-through. These conflicts cause mental pain and can negatively affect all areas of the individual's life: personal and professional relationships, intimate relationships, career development, general physical health and well-being. My orientation is psychodynamic. I am an out-of-network provider and can give receipts for reimbursement.
(212) 768-7421
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Garment District
New York, NY 10001
I am a certified psychotherapist and treat individuals with symptoms such as anxiety or depression, reflecting deeper unresolved emotional conflicts that need processing and working-through. These conflicts cause mental pain and can negatively affect all areas of the individual's life: personal and professional relationships, intimate relationships, career development, general physical health and well-being. My orientation is psychodynamic. I am an out-of-network provider and can give receipts for reimbursement.
Photo of Caroline Yopes
Caroline Yopes
LCAT-LP Verified
Garment District
New York, NY 10018
Offers online therapy
We are considered an Out of Network provider for Cigna, Aetna, BC/BS.
Are you feeling stuck in negative patterns? I am committed to working with individuals to identify, challenge, and shift those patterns. I can work with you in developing concrete coping skills in order to become more productive. I have experience working with children, adolescents and adults providing therapy on a wide range of difficult topics including life transitions, addiction, depression, complex trauma, abuse, and anxiety. *Please book initial appointment on our website- ArtsRX.com
(845) 999-1179
Verified
View

Garment District
New York, NY 10018
Offers online therapy
We are considered an Out of Network provider for Cigna, Aetna, BC/BS.
Are you feeling stuck in negative patterns? I am committed to working with individuals to identify, challenge, and shift those patterns. I can work with you in developing concrete coping skills in order to become more productive. I have experience working with children, adolescents and adults providing therapy on a wide range of difficult topics including life transitions, addiction, depression, complex trauma, abuse, and anxiety. *Please book initial appointment on our website- ArtsRX.com
Photo of ARTS Rx/ NYC Creative Arts Therapy PLLC, Art Therapist
ARTS Rx/ NYC Creative Arts Therapy PLLC
Art Therapist, LCAT, ATR-BC Verified
Garment District
New York, NY 10018
Offers online therapy
We are considered an Out of Network provider for all other insurance companies such as Cigna, Aetna, BC/BS.
ARTS Rx™ / NYC CREATIVE ARTS THERAPY, PLLC is an established New York licensed group behavioral health practice with a demonstrated record of facilitating effective and quality oriented mental health services. The ARTS Rx™ program offers children, adolescents, and adults a wide range of skill based, social, and psychotherapeutic treatment experiences in the individual and group setting. Our practice is committed to providing culturally competent and individualized care. *Please visit our website Artsrx.com to book an initial appointment.
(646) 904-5265
Verified
View

Garment District
New York, NY 10018
Offers online therapy
We are considered an Out of Network provider for all other insurance companies such as Cigna, Aetna, BC/BS.
ARTS Rx™ / NYC CREATIVE ARTS THERAPY, PLLC is an established New York licensed group behavioral health practice with a demonstrated record of facilitating effective and quality oriented mental health services. The ARTS Rx™ program offers children, adolescents, and adults a wide range of skill based, social, and psychotherapeutic treatment experiences in the individual and group setting. Our practice is committed to providing culturally competent and individualized care. *Please visit our website Artsrx.com to book an initial appointment.
Photo of Avi Sanders, Psychologist
Avi Sanders
Psychologist, PhD Verified
Garment District
New York, NY 10001
Offers online therapy
Different professional and personal experiences led me to the field of clinical psychology. Through my own experience of change, I have come to learn the importance of learning to non-judgmentally accept and recognize your current reality for what it is as a first step toward identifying areas in your life where you would like to experience growth. I create a quiet, safe and accepting environment for my clients in which we can work together to implement the changes that will make their life meaningful.
(917) 447-8302
Verified
View

Garment District
New York, NY 10001
Offers online therapy
Different professional and personal experiences led me to the field of clinical psychology. Through my own experience of change, I have come to learn the importance of learning to non-judgmentally accept and recognize your current reality for what it is as a first step toward identifying areas in your life where you would like to experience growth. I create a quiet, safe and accepting environment for my clients in which we can work together to implement the changes that will make their life meaningful.
Photo of Mariama Duncan, Clinical Social Work/Therapist
Mariama Duncan
Clinical Social Work/Therapist, LCSW-R Verified
Garment District
New York, NY 10001
I can provide documentation that may help you obtain reimbursement from your insurance company if you have "out of network" coverage for mental health services.
We often experience our greatest pains and joys in the context of our relationships with others. In my approach to therapy, I create a safe, supportive environment to assist exploration of emerging relationship patterns and themes. I believe in building a collaborative treatment relationship. With increased awareness, people find they have more options for improving their relationships and meeting their life goals.
(917) 512-7686
Verified
View

Garment District
New York, NY 10001
I can provide documentation that may help you obtain reimbursement from your insurance company if you have "out of network" coverage for mental health services.
We often experience our greatest pains and joys in the context of our relationships with others. In my approach to therapy, I create a safe, supportive environment to assist exploration of emerging relationship patterns and themes. I believe in building a collaborative treatment relationship. With increased awareness, people find they have more options for improving their relationships and meeting their life goals.
Photo of Daniel Rosengart, Psychologist
Daniel Rosengart
Psychologist, PsyD Verified
Garment District
New York, NY 10001
Offers online therapy
I also help figure out insurance issues and set up out of network reimbursements.
Therapy is a space where the past and present can be looked at through new eyes, recontextualized and reunderstood. Far from an academic exercise, a safe therapeutic space that allows for this work can open new possibilities for self-directed living in the world and relating to others. I work with patients to illuminate, clarify, and construct a space where old ways of relating and entrenched patterns of suffering can be understood and moved beyond. While this experience can be challenging, it can also profoundly rewarding.
(510) 567-4538
Verified
View

Garment District
New York, NY 10001
Offers online therapy
I also help figure out insurance issues and set up out of network reimbursements.
Therapy is a space where the past and present can be looked at through new eyes, recontextualized and reunderstood. Far from an academic exercise, a safe therapeutic space that allows for this work can open new possibilities for self-directed living in the world and relating to others. I work with patients to illuminate, clarify, and construct a space where old ways of relating and entrenched patterns of suffering can be understood and moved beyond. While this experience can be challenging, it can also profoundly rewarding.
Photo of Emily Hughes, Art Therapist
Emily Hughes
Art Therapist, LCAT, ATR-BC Verified
Garment District
New York, NY 10018
Offers online therapy
We are considered an Out of Network provider for all other insurance companies such as Cigna, Aetna, BC/BS.
Are you feeling stuck? It is possible to experience personal growth regardless of how unmotivated or out of control you may feel right now. Therapy can provide the tools and support necessary to regain a sense of peace and balance within your life. My approach is interactive, non-judgmental, and empathic. I have experience working with a diverse population treating a wide range of concerns such as anxiety, stress, trauma, and adjustment issues. We will work together to create a clear plan to understand your challenges, create change, and attain your goals. *Please book initial appointment on our website- ArtsRX.com
(646) 663-5268
Verified
View

Garment District
New York, NY 10018
Offers online therapy
We are considered an Out of Network provider for all other insurance companies such as Cigna, Aetna, BC/BS.
Are you feeling stuck? It is possible to experience personal growth regardless of how unmotivated or out of control you may feel right now. Therapy can provide the tools and support necessary to regain a sense of peace and balance within your life. My approach is interactive, non-judgmental, and empathic. I have experience working with a diverse population treating a wide range of concerns such as anxiety, stress, trauma, and adjustment issues. We will work together to create a clear plan to understand your challenges, create change, and attain your goals. *Please book initial appointment on our website- ArtsRX.com
Photo of Shalini Sehgal, Psychologist
Shalini Sehgal
Psychologist, PsyD Verified
Garment District
New York, NY 10001
Besides the insurance accepted below, I am available for out of network coverage.
Psychotherapy is a collaborative process where we can work together to try to understand your problems, identify obstacles, and consider new alternatives. I believe a trusting patient-therapist relationship is important to sucess in therapy. I strive to provide a warm & supportive space where you are encouraged to learn more about yourself so that you can work toward living the most rewarding and meaningful life possible.
(646) 600-8195
Verified

Garment District
New York, NY 10001
Besides the insurance accepted below, I am available for out of network coverage.
Psychotherapy is a collaborative process where we can work together to try to understand your problems, identify obstacles, and consider new alternatives. I believe a trusting patient-therapist relationship is important to sucess in therapy. I strive to provide a warm & supportive space where you are encouraged to learn more about yourself so that you can work toward living the most rewarding and meaningful life possible.
Photo of Akilah Sigler, Counselor
Akilah Sigler
Counselor, MSEd, LMHC Verified
Garment District
New York, NY 10001
Offers online therapy
**Please note, I accept only out of network benefits and am not in network with any insurance panels.
I provide individual therapy that is warm, collaborative, and tailored to meet the unique needs of each person I see. I strongly value inclusivity, liberation, and respect--values I incorporate into my work by staying centered in a Black feminist and HAES perspective. My clients arrive in therapy coping with trauma, depression, anxiety, and grief. Together, we work not only toward developing healthy coping skills, but toward healing for a sense of purpose, contentment, and peace. Therapy is an excellent place to affirm and internalize a greater sense of self worth and to practice a compassionate attitude toward yourself.
(347) 745-7906
Verified
View

Garment District
New York, NY 10001
Offers online therapy
**Please note, I accept only out of network benefits and am not in network with any insurance panels.
I provide individual therapy that is warm, collaborative, and tailored to meet the unique needs of each person I see. I strongly value inclusivity, liberation, and respect--values I incorporate into my work by staying centered in a Black feminist and HAES perspective. My clients arrive in therapy coping with trauma, depression, anxiety, and grief. Together, we work not only toward developing healthy coping skills, but toward healing for a sense of purpose, contentment, and peace. Therapy is an excellent place to affirm and internalize a greater sense of self worth and to practice a compassionate attitude toward yourself.
Daniel Olavarría
Clinical Social Work/Therapist, MSW, LCSW Verified
Office is near:
Garment District
New York, NY 10018
Offers online therapy
Are you feeling frustrated and overwhelmed by anxiety and stress? Or perhaps you are struggling to feel fulfilled in your career, relationships, or other aspects of life? I work with individuals and couples who are ready to disrupt those cycles and get "unstuck." I can help you process the experiences and issues affecting you most and support you in developing the skills you need to move forward. You deserve expert-driven therapy that is relatable, effective, and affirming - you’ll find it here! My practice is specifically tailored to modern professionals and is a safe, supportive space for people of color and LGBTQ+ communities.
(646) 760-8421
Verified
View

Office is near:
Garment District
New York, NY 10018
Offers online therapy
Are you feeling frustrated and overwhelmed by anxiety and stress? Or perhaps you are struggling to feel fulfilled in your career, relationships, or other aspects of life? I work with individuals and couples who are ready to disrupt those cycles and get "unstuck." I can help you process the experiences and issues affecting you most and support you in developing the skills you need to move forward. You deserve expert-driven therapy that is relatable, effective, and affirming - you’ll find it here! My practice is specifically tailored to modern professionals and is a safe, supportive space for people of color and LGBTQ+ communities.
Photo of Courtney Carey, Clinical Social Work/Therapist
Courtney Carey
Clinical Social Work/Therapist, LCSW Verified
Office is near:
Garment District
New York, NY 10018
Offers online therapy
We submit out of network claims on assignment, so you will not have to wait for reimbursement.
Have you wondered if your child would benefit from in-person or video therapy? I offer a complimentary consultation to discuss any questions you may have. I have extensive experience working with children and adolescents that may be struggling with adjustment to home school, anxiety, depression, ADHD, behavioral or family issues. You can talk to me about anything. I am accessible to parents and easy to talk to. I focus on your child, recognize their strengths, and develop tools to become their own therapist by learning how to deal with challenges. Clients often feel better early on in treatment.
(646) 736-4821
Verified
View

Office is near:
Garment District
New York, NY 10018
Offers online therapy
We submit out of network claims on assignment, so you will not have to wait for reimbursement.
Have you wondered if your child would benefit from in-person or video therapy? I offer a complimentary consultation to discuss any questions you may have. I have extensive experience working with children and adolescents that may be struggling with adjustment to home school, anxiety, depression, ADHD, behavioral or family issues. You can talk to me about anything. I am accessible to parents and easy to talk to. I focus on your child, recognize their strengths, and develop tools to become their own therapist by learning how to deal with challenges. Clients often feel better early on in treatment.

See more therapy options for Garment District, New York

Out of Network Therapists
An out-of-network Therapist in Garment District, New York has not agreed to any set rate with your insurer. Your plan may require higher co-pays, deductibles and co-insurance for out-of-network care and you may need to pay the difference between your insurer's allowed amount and what the Therapist charges.

The costs for a Garment District, New York out-of-network Therapist also depend on your type of plan:

In a Health Maintenance Organization, or HMO, or Exclusive Provider Network, or EPO, you generally have to pay the full cost of any out-of-network care.

In a Preferred Provider Organization (PPO) or Point-of-Service (POS) plan, you will usually have to pay a higher deductible and or a higher co-pay plus a higher percentage co-insurance plus, the difference between the allowed amount and your provider's actual rate.