Jesse Metzger
Psychologist, PhD Verified
Turtle Bay
New York, NY 10022
Offers online therapy
We submit out of network claims and accept assignment on benefits, so you will not have to wait for reimbursement.
I am a Columbia-trained clinical psychologist with expertise in treating a variety of life difficulties, including anxiety, depression, academic and career struggles, and self-esteem issues. I work well with a variety of clients, from college and graduate students to senior executives. I am compassionate, easy to talk to, and real. Whether you are experiencing chronic feelings of anxiety, unhappiness, or procrastinating and feeling stuck, I can help get your life back on track and reach your full potential. My clients often see reduction in symptoms and improvement early on in treatment.
(475) 215-2559
Verified
View

Turtle Bay
New York, NY 10022
Offers online therapy
We submit out of network claims and accept assignment on benefits, so you will not have to wait for reimbursement.
I am a Columbia-trained clinical psychologist with expertise in treating a variety of life difficulties, including anxiety, depression, academic and career struggles, and self-esteem issues. I work well with a variety of clients, from college and graduate students to senior executives. I am compassionate, easy to talk to, and real. Whether you are experiencing chronic feelings of anxiety, unhappiness, or procrastinating and feeling stuck, I can help get your life back on track and reach your full potential. My clients often see reduction in symptoms and improvement early on in treatment.
Chloe Carmichael
Psychologist, PhD Verified
Turtle Bay
New York, NY 10021
I work well with clients seeking help with stress management, relationship issues, goal attainment, or issues related to emotion and self-esteem. My ideal clients are professionals who are seeking results. In addition to my work with clients, I also provide practice building tools for clinicians. Although I am currently on sabbatical from psychotherapy clients, I do oversee my associates, Amanda Pelcher, LMFT and Grayson Stadler, LCSW. You can have a free consultation with my office to learn more. Send us an email or give us a call so we may assist you further!
(929) 552-3428
Verified
View

Turtle Bay
New York, NY 10021
I work well with clients seeking help with stress management, relationship issues, goal attainment, or issues related to emotion and self-esteem. My ideal clients are professionals who are seeking results. In addition to my work with clients, I also provide practice building tools for clinicians. Although I am currently on sabbatical from psychotherapy clients, I do oversee my associates, Amanda Pelcher, LMFT and Grayson Stadler, LCSW. You can have a free consultation with my office to learn more. Send us an email or give us a call so we may assist you further!
Emily Davenport, Davenport Creative Arts Therapy
Art Therapist, MA, ATR-BC, LCAT Verified
Turtle Bay
New York, NY 10017
Offers online therapy
My team and I use mindfulness and creativity to elevate and enrich traditional therapy. We offer tweens, teens & adults alternative approaches to replace loneliness with connection, shame with authenticity and turbulence with balance. You can’t always just “talk” your way out of anxiety and depression. That's why our therapists utilize the mind, body and creative spirit to address the root of anxiety, depression, trauma, low self-worth and limiting beliefs. If you're open to an integrative approach to therapy involving creative self-expression, click our website link to schedule your free consultation. Online & Teletherapy offered.
(917) 382-9949
Verified
View

Turtle Bay
New York, NY 10017
Offers online therapy
My team and I use mindfulness and creativity to elevate and enrich traditional therapy. We offer tweens, teens & adults alternative approaches to replace loneliness with connection, shame with authenticity and turbulence with balance. You can’t always just “talk” your way out of anxiety and depression. That's why our therapists utilize the mind, body and creative spirit to address the root of anxiety, depression, trauma, low self-worth and limiting beliefs. If you're open to an integrative approach to therapy involving creative self-expression, click our website link to schedule your free consultation. Online & Teletherapy offered.
Photo of Amanda Pelcher, Marriage & Family Therapist
Amanda Pelcher
Marriage & Family Therapist, LMFT Verified
Turtle Bay
New York, NY 10021
Offers online therapy
Amanda is a Licensed Marriage and Family Therapist who works as an associate therapist and Head of Training and Development at Carmichael Psychology, the group practice of Dr. Chloe Carmichael on Park Avenue by Grand Central Station. Amanda focuses on helping clients explore and clarify their personal goals, recognize their strengths, regain a sense of control, and develop the tools they need to move forward in their lives. Her work is imbued with energy, humor, and understanding. Amanda is a strong proponent of the value of CBT techniques in helping clients reach their goals and improve their quality of life.
(929) 309-2433
Verified
View

Turtle Bay
New York, NY 10021
Offers online therapy
Amanda is a Licensed Marriage and Family Therapist who works as an associate therapist and Head of Training and Development at Carmichael Psychology, the group practice of Dr. Chloe Carmichael on Park Avenue by Grand Central Station. Amanda focuses on helping clients explore and clarify their personal goals, recognize their strengths, regain a sense of control, and develop the tools they need to move forward in their lives. Her work is imbued with energy, humor, and understanding. Amanda is a strong proponent of the value of CBT techniques in helping clients reach their goals and improve their quality of life.
Chloe Carmichael
Psychologist, PhD Verified
Turtle Bay
New York, NY 10044
Offers online therapy
I work well with clients seeking help with stress management, relationship issues, goal attainment, or issues related to emotion and self-esteem. My ideal clients are professionals who are seeking results. In addition to my work with clients, I also provide practice building tools for clinicians. Although I am currently on sabbatical from psychotherapy clients, I do oversee my associates, Amanda Pelcher, LMFT and Grayson Stadler, LCSW. You can have a free consultation with my office to learn more. Send us an email or give us a call so we may assist you further!
(929) 552-3409
Verified
View

Turtle Bay
New York, NY 10044
Offers online therapy
I work well with clients seeking help with stress management, relationship issues, goal attainment, or issues related to emotion and self-esteem. My ideal clients are professionals who are seeking results. In addition to my work with clients, I also provide practice building tools for clinicians. Although I am currently on sabbatical from psychotherapy clients, I do oversee my associates, Amanda Pelcher, LMFT and Grayson Stadler, LCSW. You can have a free consultation with my office to learn more. Send us an email or give us a call so we may assist you further!
Photo of Amanda Pelcher, Marriage & Family Therapist
Amanda Pelcher
Marriage & Family Therapist, LMFT Verified
Turtle Bay
New York, NY 10075
Not accepting new clients
Amanda is a Licensed Marriage and Family Therapist who works as an associate therapist and Head of Training and Development at Carmichael Psychology, the group practice of Dr. Chloe Carmichael on Park Avenue by Grand Central Station. Amanda focuses on helping clients explore and clarify their personal goals, recognize their strengths, regain a sense of control, and develop the tools they need to move forward in their lives. Her work is imbued with energy, humor, and understanding. Amanda is a strong proponent of the value of CBT techniques in helping clients reach their goals and improve their quality of life.
(929) 470-3383
Verified
View

Turtle Bay
New York, NY 10075
Not accepting new clients
Amanda is a Licensed Marriage and Family Therapist who works as an associate therapist and Head of Training and Development at Carmichael Psychology, the group practice of Dr. Chloe Carmichael on Park Avenue by Grand Central Station. Amanda focuses on helping clients explore and clarify their personal goals, recognize their strengths, regain a sense of control, and develop the tools they need to move forward in their lives. Her work is imbued with energy, humor, and understanding. Amanda is a strong proponent of the value of CBT techniques in helping clients reach their goals and improve their quality of life.
Chloe Carmichael
Psychologist, PhD Verified
Turtle Bay
New York, NY 10075
Offers online therapy
I work well with clients seeking help with stress management, relationship issues, goal attainment, or issues related to emotion and self-esteem. My ideal clients are professionals who are seeking results. In addition to my work with clients, I also provide practice building tools for clinicians. Although I am currently on sabbatical from psychotherapy clients, I do oversee my associates, Amanda Pelcher, LMFT and Grayson Stadler, LCSW. You can have a free consultation with my office to learn more. Send us an email or give us a call so we may assist you further!
(929) 552-3456
Verified
View

Turtle Bay
New York, NY 10075
Offers online therapy
I work well with clients seeking help with stress management, relationship issues, goal attainment, or issues related to emotion and self-esteem. My ideal clients are professionals who are seeking results. In addition to my work with clients, I also provide practice building tools for clinicians. Although I am currently on sabbatical from psychotherapy clients, I do oversee my associates, Amanda Pelcher, LMFT and Grayson Stadler, LCSW. You can have a free consultation with my office to learn more. Send us an email or give us a call so we may assist you further!
Photo of Spencer McCauley, Clinical Social Work/Therapist
Spencer McCauley
Clinical Social Work/Therapist, LCSW Verified
Turtle Bay
New York, NY 10022
Offers online therapy
We submit out of network claims and accept assignment on benefits, so you will not have to wait for reimbursement.
Are you considering therapy for your child or adolescent? I specialize in treating children and adolescents who struggle with Anxiety, Attention deficit hyperactivity disorder (ADHD), Obsessive-compulsive disorder (OCD), spectrum disorders, and behavioral challenges. I will help your child work through their challenges by building self-awareness, emotional regulation skills, problem-solving skills, and interpersonal effectiveness skills. I also provide child-parent therapy and parent management training. I believe that parents are an integral part of treatment, and my approach is geared towards empowering parents.
(646) 663-5354
Verified
View

Turtle Bay
New York, NY 10022
Offers online therapy
We submit out of network claims and accept assignment on benefits, so you will not have to wait for reimbursement.
Are you considering therapy for your child or adolescent? I specialize in treating children and adolescents who struggle with Anxiety, Attention deficit hyperactivity disorder (ADHD), Obsessive-compulsive disorder (OCD), spectrum disorders, and behavioral challenges. I will help your child work through their challenges by building self-awareness, emotional regulation skills, problem-solving skills, and interpersonal effectiveness skills. I also provide child-parent therapy and parent management training. I believe that parents are an integral part of treatment, and my approach is geared towards empowering parents.
Chloe Carmichael
Psychologist, PhD Verified
Turtle Bay
New York, NY 10016
Offers online therapy
I work well with clients seeking help with stress management, relationship issues, goal attainment, or issues related to emotion and self-esteem. My ideal clients are professionals who are seeking results. In addition to my work with clients, I also provide practice building tools for clinicians. Although I am currently on sabbatical from psychotherapy clients, I do oversee my associates, Amanda Pelcher, LMFT and Grayson Stadler, LCSW. You can have a free consultation with my office to learn more. Send us an email or give us a call so we may assist you further!
(212) 729-3922
Verified
View

Turtle Bay
New York, NY 10016
Offers online therapy
I work well with clients seeking help with stress management, relationship issues, goal attainment, or issues related to emotion and self-esteem. My ideal clients are professionals who are seeking results. In addition to my work with clients, I also provide practice building tools for clinicians. Although I am currently on sabbatical from psychotherapy clients, I do oversee my associates, Amanda Pelcher, LMFT and Grayson Stadler, LCSW. You can have a free consultation with my office to learn more. Send us an email or give us a call so we may assist you further!
Chloe Carmichael
Psychologist, PhD Verified
Turtle Bay
New York, NY 10007
Offers online therapy
I work well with clients seeking help with stress management, relationship issues, goal attainment, or issues related to emotion and self-esteem. My ideal clients are professionals who are seeking results. In addition to my work with clients, I also provide practice building tools for clinicians. Although I am currently on sabbatical from psychotherapy clients, I do oversee my associates, Amanda Pelcher, LMFT and Grayson Stadler, LCSW. You can have a free consultation with my office to learn more. Send us an email or give us a call so we may assist you further!
(929) 552-3599
Verified
View

Turtle Bay
New York, NY 10007
Offers online therapy
I work well with clients seeking help with stress management, relationship issues, goal attainment, or issues related to emotion and self-esteem. My ideal clients are professionals who are seeking results. In addition to my work with clients, I also provide practice building tools for clinicians. Although I am currently on sabbatical from psychotherapy clients, I do oversee my associates, Amanda Pelcher, LMFT and Grayson Stadler, LCSW. You can have a free consultation with my office to learn more. Send us an email or give us a call so we may assist you further!
Photo of Robyn Olds, Art Therapist
Robyn Olds
Art Therapist, MPS, LCAT Verified
Turtle Bay
New York, NY 10017
Hello! I'm Robyn, a holistic psychotherapist. I aim to activate your extraordinary self-healing capacities by using integrative, holistic and evidence-based psychotherapy. I support adults (and emerging adults) struggling with low mood, irritability, indecision, panic, excessive worry, fatigue, stress, low self-worth, career burnout, relationship struggles and survivors of childhood trauma & abuse. My style is engaged, creative and empathic. I am LGBTQ+ affirmative. Visit my website to learn more!
(516) 701-2229
Verified
View

Turtle Bay
New York, NY 10017
Hello! I'm Robyn, a holistic psychotherapist. I aim to activate your extraordinary self-healing capacities by using integrative, holistic and evidence-based psychotherapy. I support adults (and emerging adults) struggling with low mood, irritability, indecision, panic, excessive worry, fatigue, stress, low self-worth, career burnout, relationship struggles and survivors of childhood trauma & abuse. My style is engaged, creative and empathic. I am LGBTQ+ affirmative. Visit my website to learn more!
Photo of Spencer McCauley, Clinical Social Work/Therapist
Spencer McCauley
Clinical Social Work/Therapist, LCSW Verified
Turtle Bay
New York, NY 10022
Offers online therapy
We submit out of network claims and accept assignment on benefits, so you will not have to wait for reimbursement.
Are you considering therapy for your child or adolescent? I specialize in treating children and adolescents who struggle with Anxiety, Attention deficit hyperactivity disorder (ADHD), Obsessive-compulsive disorder (OCD), spectrum disorders, and behavioral challenges. I will help your child work through their challenges by building self-awareness, emotional regulation skills, problem-solving skills, and interpersonal effectiveness skills. I also provide child-parent therapy and parent management training. I believe that parents are an integral part of treatment, and my approach is geared towards empowering parents.
(646) 916-4455
Verified
View

Turtle Bay
New York, NY 10022
Offers online therapy
We submit out of network claims and accept assignment on benefits, so you will not have to wait for reimbursement.
Are you considering therapy for your child or adolescent? I specialize in treating children and adolescents who struggle with Anxiety, Attention deficit hyperactivity disorder (ADHD), Obsessive-compulsive disorder (OCD), spectrum disorders, and behavioral challenges. I will help your child work through their challenges by building self-awareness, emotional regulation skills, problem-solving skills, and interpersonal effectiveness skills. I also provide child-parent therapy and parent management training. I believe that parents are an integral part of treatment, and my approach is geared towards empowering parents.
Photo of Courtney Carey, Clinical Social Work/Therapist
Courtney Carey
Clinical Social Work/Therapist, LCSW Verified
Turtle Bay
New York, NY 10022
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

Turtle Bay
New York, NY 10022
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.
Chloe Carmichael
Psychologist, PhD Verified
Turtle Bay
New York, NY 10038
Offers online therapy
I work well with clients seeking help with stress management, relationship issues, goal attainment, or issues related to emotion and self-esteem. My ideal clients are professionals who are seeking results. In addition to my work with clients, I also provide practice building tools for clinicians. Although I am currently on sabbatical from psychotherapy clients, I do oversee my associates, Amanda Pelcher, LMFT and Grayson Stadler, LCSW. You can have a free consultation with my office to learn more. Send us an email or give us a call so we may assist you further!
(929) 552-3242
Verified
View

Turtle Bay
New York, NY 10038
Offers online therapy
I work well with clients seeking help with stress management, relationship issues, goal attainment, or issues related to emotion and self-esteem. My ideal clients are professionals who are seeking results. In addition to my work with clients, I also provide practice building tools for clinicians. Although I am currently on sabbatical from psychotherapy clients, I do oversee my associates, Amanda Pelcher, LMFT and Grayson Stadler, LCSW. You can have a free consultation with my office to learn more. Send us an email or give us a call so we may assist you further!
Emily Davenport, Davenport Creative Arts Therapy
Art Therapist, MA, ATR-BC, LCAT Verified
Turtle Bay
New York, NY 10017
Offers online therapy
My team and I use mindfulness and creativity to elevate and enrich traditional therapy. We offer tweens, teens & adults alternative approaches to replace loneliness with connection, shame with authenticity and turbulence with balance. You can’t always just “talk” your way out of anxiety and depression. That's why our therapists utilize the mind, body and creative spirit to address the root of anxiety, depression, trauma, low self-worth and limiting beliefs. If you're open to an integrative approach to therapy involving creative self-expression, click our website link to schedule your free consultation. Online & Teletherapy offered.
(914) 351-2396
Verified
View

Turtle Bay
New York, NY 10017
Offers online therapy
My team and I use mindfulness and creativity to elevate and enrich traditional therapy. We offer tweens, teens & adults alternative approaches to replace loneliness with connection, shame with authenticity and turbulence with balance. You can’t always just “talk” your way out of anxiety and depression. That's why our therapists utilize the mind, body and creative spirit to address the root of anxiety, depression, trauma, low self-worth and limiting beliefs. If you're open to an integrative approach to therapy involving creative self-expression, click our website link to schedule your free consultation. Online & Teletherapy offered.
Photo of Normajean Cefarelli, Marriage & Family Therapist
Normajean Cefarelli
Marriage & Family Therapist, PhD, LCSW Verified
Turtle Bay
New York, NY 10128
Offers online therapy
We submit out of network claims and accept assignment on benefits, so you will not have to wait for reimbursement.
Have you wondered if your adolescent or young adult would benefit from video therapy? I offer a complimentary phone consultation to discuss any questions you may have. You can talk to me about anything; nothing you say will surprise me. I can help your adolescent or young adult work through difficulties and become their own therapist by learning how to deal with challenges. My work is dedicated to the well-being of families and young adults who struggle with anxiety, depression, relationship and work issues, and other stressors. I am easy to talk to, compassionate, and real. Clients often see improvement early on in therapy.
(646) 679-2590
Verified
View

Turtle Bay
New York, NY 10128
Offers online therapy
We submit out of network claims and accept assignment on benefits, so you will not have to wait for reimbursement.
Have you wondered if your adolescent or young adult would benefit from video therapy? I offer a complimentary phone consultation to discuss any questions you may have. You can talk to me about anything; nothing you say will surprise me. I can help your adolescent or young adult work through difficulties and become their own therapist by learning how to deal with challenges. My work is dedicated to the well-being of families and young adults who struggle with anxiety, depression, relationship and work issues, and other stressors. I am easy to talk to, compassionate, and real. Clients often see improvement early on in therapy.
Photo of Tziporah Baron, Clinical Social Work/Therapist
Tziporah Baron
Clinical Social Work/Therapist, LMSW Verified
Turtle Bay
New York, NY 10022
Offers online therapy
We submit claims on your behalf on an out of network basis and reimburse directly by insurance, so you will not have to wait for reimbursement.
You may have wondered whether therapy could be helpful to you. I understand the impact of your psychological health and am committed to helping during this time. As a senior staff therapist at Zackson Psychology group, I enjoy working with adults and adolescents who are intelligent and thoughtful but may be struggling with anxiety, depression, family, work, and school issues. I work to create a safe and non-judgmental space where we can explore your challenges and find ways to reconnect with your healthier and positive self. Clients often see improved well-being early on in therapy.
(929) 538-3532
Verified
View

Turtle Bay
New York, NY 10022
Offers online therapy
We submit claims on your behalf on an out of network basis and reimburse directly by insurance, so you will not have to wait for reimbursement.
You may have wondered whether therapy could be helpful to you. I understand the impact of your psychological health and am committed to helping during this time. As a senior staff therapist at Zackson Psychology group, I enjoy working with adults and adolescents who are intelligent and thoughtful but may be struggling with anxiety, depression, family, work, and school issues. I work to create a safe and non-judgmental space where we can explore your challenges and find ways to reconnect with your healthier and positive self. Clients often see improved well-being early on in therapy.
Carmichael Psychology
Psychologist, PhD Verified
Turtle Bay
New York, NY 10169
Offers online therapy
I work well with clients seeking help with stress management, relationship issues, goal attainment, or issues related to emotion and self-esteem. My ideal clients are professionals who are seeking results. In addition to my work with clients, I also provide practice building tools for clinicians. Although I am currently on sabbatical from psychotherapy clients, I do oversee my associates, Amanda Pelcher, LMFT and Grayson Stadler, LCSW. You can have a free consultation with my office to learn more. Send us an email or give us a call so we may assist you further!
(929) 552-3462
Verified
View

Turtle Bay
New York, NY 10169
Offers online therapy
I work well with clients seeking help with stress management, relationship issues, goal attainment, or issues related to emotion and self-esteem. My ideal clients are professionals who are seeking results. In addition to my work with clients, I also provide practice building tools for clinicians. Although I am currently on sabbatical from psychotherapy clients, I do oversee my associates, Amanda Pelcher, LMFT and Grayson Stadler, LCSW. You can have a free consultation with my office to learn more. Send us an email or give us a call so we may assist you further!
Photo of Jesse Metzger, Psychologist
Jesse Metzger
Psychologist, PhD Verified
Turtle Bay
New York, NY 10022
Offers online therapy
We submit out of network claims and accept assignment on benefits, so you will not have to wait for reimbursement.
I am a Columbia-trained clinical psychologist with expertise in treating a variety of life difficulties, including anxiety, depression, academic and career struggles, and self-esteem issues. I work well with a variety of clients, from college and graduate students to senior executives. I am compassionate, easy to talk to, and real. Whether you are experiencing chronic feelings of anxiety, unhappiness, or procrastinating and feeling stuck, I can help get your life back on track and reach your full potential. My clients often see reduction in symptoms and improvement early on in treatment.
(475) 330-3425
Verified
View

Turtle Bay
New York, NY 10022
Offers online therapy
We submit out of network claims and accept assignment on benefits, so you will not have to wait for reimbursement.
I am a Columbia-trained clinical psychologist with expertise in treating a variety of life difficulties, including anxiety, depression, academic and career struggles, and self-esteem issues. I work well with a variety of clients, from college and graduate students to senior executives. I am compassionate, easy to talk to, and real. Whether you are experiencing chronic feelings of anxiety, unhappiness, or procrastinating and feeling stuck, I can help get your life back on track and reach your full potential. My clients often see reduction in symptoms and improvement early on in treatment.
Emily Davenport, Davenport Creative Arts Therapy
Art Therapist, RYT, ATR-BC, LCAT, CMT Verified
Turtle Bay
New York, NY 10017
Offers online therapy
My team and I use mindfulness and creativity to elevate and enrich traditional therapy. We offer tweens, teens & adults alternative approaches to replace loneliness with connection, shame with authenticity and turbulence with balance. You can’t always just “talk” your way out of anxiety and depression. That's why our therapists utilize the mind, body and creative spirit in order to address the root of anxiety, depression, trauma, low self-worth and limiting beliefs. If you're open to an integrative approach to therapy, click our website link to schedule your free consultation. Online & Teletherapy offered.
(646) 849-2879
Verified
View

Turtle Bay
New York, NY 10017
Offers online therapy
My team and I use mindfulness and creativity to elevate and enrich traditional therapy. We offer tweens, teens & adults alternative approaches to replace loneliness with connection, shame with authenticity and turbulence with balance. You can’t always just “talk” your way out of anxiety and depression. That's why our therapists utilize the mind, body and creative spirit in order to address the root of anxiety, depression, trauma, low self-worth and limiting beliefs. If you're open to an integrative approach to therapy, click our website link to schedule your free consultation. Online & Teletherapy offered.

See more therapy options for Turtle Bay, New York

Out of Network Therapists
An out-of-network Therapist in Turtle Bay, 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 Turtle Bay, 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.