I pay out of pocket. When I started, T took my insurance. I found him from my network. Then I burned out and had to go a whole lot. T was fighting with the insurance company. And then he decided to drop insurance. I can't blame him. I remember the day he told me and how he gave a big smile that is his protective smile. Then he told me how he only had a couple of people using it (I was one) - and how he only worried about how one other client would pay for therapy since he needed it and didn't have a job the way I did. I felt so guilty about being a bother to him with my insurance stuff and thinking my problems caused someone else to maybe not be able to get therapy that I really wanted to offer to pay for the other clients sessions so he would not be harmed! I didn't.

Anyway, I paid out of pocket last year for therapy. I have a good paying job so I don't mind because without therapy I would not have that job at all.... or be alive. But it is a chunk of change.