Call your insurance company and ask? Better to know ahead of time. But they may also have a sliding scale fee, you won't know unless you ask. I guess I'm fortunate - living in Canada, psychiatrists (since they're doctors) are covered under our provincial healthcare so they're free to see. Regular therapists or psychologists however, are not free. (Might explain why there are longgggggggg wait times for a psychiatrist, even for meds)