Your therapist never submitted any paperwork to your insurance company? Your insurance company never gave your therapist an authorization for treatment?

You're full of **** and you just don't know it.

EVERY healthcare provider has to make a call confirming coverage and the extent of services authorized. If you policy has no limits on mental health then you're in luck!

But that call was still made and that authorization still given, no matter what you may think.

What you don't know about what goes on behind the scenes in a practice... what happens when they photocopy your insurance card... would fill a very large book. If you think it's a "magical" process, well then you're "magically thinking."