I pay out of pocket because my insurance considers my mental illness a pre-existing condition, so they will pay for nothing to with it, not therapy, med visits or prescriptions. Even if they did 'cover' it, psychiatric services have a $1500 deductible that must be met before they pay a penny, then when they do start coverage is only 60%, with me paying the other 40%. I would actually have to pay far, far more for my care than I do now if my insurance did cover it.