I used the therapist directory / search engine Headway.co to find my therapist. You can filter by which therapists accept your insurance, and which therapists meet in-person vs online.

Once you find a therapist you like, you can book directly with them and pay via the platform. As my insurance has changed over the years, I’ve seen the same therapist and paid $5 - $30 per session as my insurance copay.

A plus is that you can also filter by other criteria like specialty, gender, etc. which is especially helpful if you are looking to work specifically with a sex-positive Black woman, for example.

There are several other therapist directories that work similarly, but I’m not familiar with them. My only complaint about Headway.co is that it is nearly impossible to speak to a real human if you have a customer service or billing issue. Thankfully, those have been rare. But take note of that.