My copay is $20 and our insurance allows 30 visits/yr before having to send in anything about medical necessity.....so that's 80-100$ a month, depending on my needs. Without insurance, it would be somewhere around 150, I think (and hubby would say, once every two months!) (oh, and our insurance pays her pretty well too - about 130...so neither of us has anything to complain about!)
As it is, I think it's all worth what it has/will cost....