That truly is an awful feeling....I experienced that a few years ago, my insurance capped my sessions and I ended up not finding out until I owed T nearly $1000.....and had to pay out of pocket for the remainder of the year....I made it work, BUT....now that I am an unemployed single mom, with unemployment running out in a couple months, no full time job yet and a mortgage...this private insurance also is now capping my sessions. So, as of this month, I may have to start paying out of pocket which I truly cannot afford to do...

SO....I may be in a similar boat. I've been in denial about it.....story of my life, just deny it and it doesn't exist....SMH