I budget $400 a month for medical expenses. It's just part of my monthly budget and while it's a lot of money, it's worth it for me. Neither my T nor my pdoc take insurance. I meet with pdoc every 2 months, and he's $175 per appointment. T is every two weeks at $150. If I meet more often with T, then I have to do without something else. I work full time and make a decent salary, so usually, it just means I can't go out to eat a few times, or can't buy something extra. If I need to exceed my "medical" budget in one month, I'll usually borrow those funds from my entertainment or clothing or eating out budget, all of which are flexible and optional expenses.