Well - my therapist is self-employeed. Last year she did see me and charged me the fee that the insurance company collects instead of the full fee until it got to be too stressful for me. When she saw that she took me down to what my co-pay was. I feel bad about it though. My psychiatrist says I could see him off the books sometime, but he's so busy I don't know what he's thinking! Perhaps it's my pride - I feel like I'm taking advantage or something. The psychiatrist says to call him if I need to, but I don't because I can't figure out if I need to or not when I want to. He's so busy.

The insurance company says I could try a clinic or something, but that's just out of the question - how can you switch like that - you'd have to start all over.

I'm not going to worry about it until I get closer to the end of my 30. Just wanted to know how you all did it.