I assumed that was the case, bamapsych, you didn't forget to point out that he was an intern. That's why I qualified him with "good" $20 therapist might be preferable to a more expensive insurance one. I've always tried to treat my therapy as something like college and see if I could pay for it rather than use up my health care which might be more costly, later, if it gets used often.

One thing is sure, the insurance company isn't going to "lose" money, since it's a business, not a charity. If it gives me X coverage for Y amount; if I use it more, it's going to charge me more. That's why automobile insurance can go up when you get in an accident. Everyone wants their pre-existing conditions covered but the prices will have to go way up to do that; they're a business for "in case" you get sick, not for using day-to-day on chronic stuff. They can be used that way but then prices rise.