KS,

To me it would seem that means they have to find an in network provider. Do they have a policy on coverage for when there is no appropriate in network provider ? If they don't have a policy specifically excluding ketamine treatments, I think that is an arguable point.

I know that you must be discouraged now, but sometimes it pays to be the squeeky wheel. If you give up and quietly fade away, they save cash. Wou;d one of your in network docs order the treatment ? I'd try pressure on the insurance company that they need to produce a doc who can perform the ordered treatment. Most insurance companies have provisions for out of network care in certain situations. Try demanding to know what those situations are !

I was so bummed to see your header that you had news with that little thumbs down sign. Boo !