Do you have a high deductible plan (HDHP) where you need to pay the deductible before any sessions are covered at your co-insurance %? Might be worth looking into as I have HDHP and end of June I'll finally meet my deductible and my sessions start being covered at 80% so I pay the remaining 20%. My sessions are $145 for 40 -45 minutes has been very costly to absorb, I'll be celebrating after my deductible is met!