I pay completely out of pocket. Between my first and second visit to my T, my insurance through my employer changed to a catastrophic policy and she was no longer covered. She offered a reduced rate because of that, then lowered the rate even more later, then when I wanted to increase my sessions to twice a week, she lowered her per session fee again. She lists her fee as $125 per visit and she also lists (on her professional association site) that she offers sliding scale. I currently pay $50 per visit when I see her twice per week, $70 if I see her just once. I pay for all sessions that I cancel (my decision).

I have times (like now) when I feel really guilty about it, but she offered and I accepted. When I'm feeling guilty, I remind myself that if she wants to or needs to raise her fee she can do that at any time.

I love seeing her twice a week, but would probably have to go back to once a week if she did decide to raise her fee.