Here in California I have been pretty lucky. I do have health insurance from my job, but I also have MediCare which pays for all of my meds. Through my private ins. I pay nothing to see my T however many times I want. No limit. This is due to mental health parity, where if you have certain diagnoses then you qualify to have your psych benefits the same as your medical benefits. Which is cool. My Pdoc I only pay a $20 co pay to see him. So yeah I am lucky and I thank God every day.