Luckily, my individual T deals with all the chaos my insurance company creates. She said I'm only one of two clients she takes insurance from. Which is great for me, because I was having major financial difficulties when I started with her (just a little better now). Instead of her $125 for a 50 min session (which usually ends up being closer to an hour), I pay a $15 co-pay. I did have a $500 deductible, but between T and other stuff, it didn't take long to fulfill. My group T and my dietitian do not take insurance, however. For awhile, my group T let me pay a reduced amount, and I decided when I could start paying more and eventually worked my way back up to the full fee. My dietitian also offers me a reduced price, though we agreed recently to increase that. It's still less than her full amount, though. Without their help, I wouldn't be in therapy, because it is too freakin' expensive. The only reason I was able to see someone on a regular basis a few years ago was because my undergrad university offered free individual and group therapy, and I saw a dietitian on a sliding scale (paid out of pocket). There was a period of time between when I just could not afford to pay for therapy out of pocket or even with my insurance's co-pay ($25 or $35 at the time, can't remember), so I couldn't go for more than a couple sessions at a time. I don't even think I'd recognize any of the T's I saw in that time. Therapy is expensive, and even now I need my credit cards to make it work, but I think it is so worth it.