This thread is making me so grateful for my current situation where I get to see my therapist once a week for no copay. Heck, I'm getting two sessions next week. I'm feeling really glad that I found a helpful therapist within our insurance system. With my exT and the same insurance, I only had a copay of $15, but I only got to see her every 4-6 weeks. When I switched, they upgraded the "severity" of my condition which I did not care about because it meant I got to go every week for free. In retrospect, I don't think I would have stayed with dysfunctional exT nearly so long if I was paying out of pocket, but I might not have stuck with therapy at all. Really interesting thread.