I just realized that what I thought was my annual deductible is actually less than a third of the deductible. Stupid unclear insurance plans. It's my own damn fault for not reading more clearly, but I thought I had.

At any rate, there's no way I'll meet my deductible this year, so I'm essentially paying my T out of pocket. I've used flex spending money to cover some of it, which helps, but it's still damned expensive. I struggle with the money aspect of it sometimes. I don't begrudge my T her fee, and I think her time is valuable. But I will probably need to cut down on sessions, which sucks, because it's not about being at a place where I'm ready to do that, it's purely financial. I'm pretty sure my T doesn't offer any kind of reduced fee (not that I think she should).

Sometimes I shudder to think about what I've paid (literally) for my mental health over the years.

If your T offered a reduced rate, I wouldn't worry about accepting it. It sounds like he's trying to do the right thing.