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Barksum,
If the place you want to be referred to isn't licensed, then it just isn't going to happen. So that would be the first hurdle. The next would be obtaining the referral. In this case, the therapist needs to make the determination that 1) he/she can't do the service, 1) what service is needed and 3) who can do it. As far as what would be covered, that is kind of up to the therapist---because that person is medical staff and the insurance company isn't. Some things aren't generally covered--but if there is medical (mental health) reasons for it, it might be. So the easiest thing, is just to see if your therapist will refer to the type of provider you need.....then when you discover there isn't a provider of the type in the network just get an out of network referral (which would probably have to be apprioaved in advance.)
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