Hi franki,

I can relate to your post because I worry about the money too. I remember having to tell prospective T's that I just couldn't afford it. I went back and forth trying to decide if I should see a psychopharm. or just go to my doctor for meds. In the end I decided on the psychopharm. because I knew he would know a lot more than my regular GP and be able to tailor meds to my needs based on what was or wasn't working over time. I just don't think the GP's know much about antidepressant medications / sleep meds etc. $400 does seem awfully high - I consider $200 per session to be the upper limit. Maybe that is just for a 1st appointment, but still...
Maybe you might want to be honest with your T and just explain that you can't afford that kind of fee and can she recommend anyone else. My phychopharm. is also in a posh neighborhood and he charges $150, so I am sure you can find someone in that price-range. (Are you in the States?) Maybe you can find someone who advertises with Psychology Today Online - I think they have a pretty big database. Good luck.