My daughter is on my daughter's stepmom's insurance plan (PP0). Since the plan is based in another state (TX) and we live in IL, I have had many problems with finding in network providers. Daughter is currently in need of therapy, however, there are no child psychologists, or MSW, on the plan in my city at all. Our court order states that I should use in network providers when possible and if I go out of network without good reason, ex doesn't have to pay. Does the fact that there are no providers constitute a good reason? Non PPO coverage is 75% after the deductable, which works out to about $15 each per session. This is certainly well worth it in my opinion, but ex is refusing to pay anything.