This might be difficult, even for us living in the U.S. Answers right now will very. I have had great insurance, where I would only pay $20 per session for a t, with no limit for the year. (Too bad I didn't start therapy when I had this insurance.) The insurance that I may be getting soon through my job will cost me $85 every two weeks. If my T took this insurance (he / they don't) I would pay $35 per session. There will be some people that have a cap as to how much they can spend on mental health, some people who aren't covered for therapy, and some people who are in a great situation. There is a lot of new regulation that will take place beginning next year, but as of now I don't see how it will improve my situation. This probably doesn't answer your question, but I think that is fitting when discussing U.S. health insurance. Being confused is the norm.