When I started T, I payed her standard rate, and did so for about 2 1/2 years. When I moved from 1 to 2 sessons/week, she offered me a lower rate. I don't know if that's her standard practice or if she did it because she knew I wouldn't have been able to afford her regular rate twice/week. When she offered the lower rate, she said it's something she often does when clients increase their number of sessions.

If it matters at all, my T doesn't accept insurance. I pay out of pocket and file separately, and I get back about 40% or so of what I pay her. The reimbursement is based on the number of visits, not how much I pay her, so I get back the same amount per visit that I got when I was paying her the higher rate.