I get the bill every 3 months which I have to pay within 30 days - it's not the nicest thing to get so high bill but I can afford it - if not, at least in theory, I could change T. Here, there are either Ts who are covered by the obligatory insurance (covered means that I still would have to pay first and then I would get the reimbursement) or Ts who are not covered by any insurance company... Covered Ts are those who are also pdocs or those who work under pdoc supervision... My previous T was covered, my current T is not covered - life... Finding covered T who does trauma works is impossible, finding not covered T who does trauma work, speak English and can take new clients is almost impossible, so I still feel lucky