I have a full-time job and good health insurance, which actually includes therapy. However, my T is out of network (always has been). Because of this, I pay on a sliding scale ($85) out of my own pocket. I do have a flexible spending account, though. So, I have money deducted out of each paycheck. That money is then tax free. I pay for anything medical, including T, out of that flexible spending account. Right now, I only see T every other week, as I am doing well. So, it's not too expensive. She is worth every penny and then some to me!