Therapy clients: Please note that Hayley Kolar is a fee-for-service provider and an out-of-network provider with all insurance companies. (If Hayley Kolar is listed as an in-network provider this is from a previous agency and is no longer applicable.) Therapy clients may opt to use Health Savings Account or Flexible Spending Account, or independently seek reimbursement from your insurance provider. Whether or not you are reimbursed and the amount you are reimbursed is dependent on your insurance plan.