The insurance I have right now covers 30 visits per calendar year with a copay of $20 per visit.

However my employer has decided to do away with that. Beginning May 1st I will only have catastrophic coverage after a $3000.00 deductible. grrr to them

Recently I began treatment with a therapist who i found by contacting a psychoanalytic institute; she is a candidate at the institute. Her normal fee is $85/session but she has adjusted it for me since my insurance doesn't cover her services (she is not in their network).

I have to say that, as hard as it is for me to come up with $70 a week, I really like the fact that the insurance company is not involved in this in any way. This is strictly between her and me and there are no insurance hoops to jump through regarding diagnosis, treatment modalities, length of treatment, claims to file, etc.

They are expensive, but well worth it, and they have invested hugely in their education and internships.