I don't know what type of insurance you all have and how far your T and you are willing to go.

I have full Medi-Cal (Medicaid) and a managed care insurance. My managed care insurance pays for my Pdoc (can see her every other week if needed). My managed care insurance also pays for a T once a week. But, of course, there are no T's currently with my managed care.

So I sought out a private T who accepts Medi-Cal. For some reason an insurance company called Optum oversees Medi-Cal therapy claims. Optum typically only allows 8-16 sessions a year for adults. If you need more, you're supposed to find other resources (i.e. county services, groups, clubhouses, etc.)

In my situation, I have no community resources available to me. So I went fighting. I wrote/called EVERYONE I could think of who might help me. In fact, I just found out that I went way overboard The head of Optum and the head of Medi-Cal are going to have a meeting...solely about my case. We're hoping they're just going to bypass the 8 session renewal, and let us have long-term therapy.

My total sessions approved are now 48. It takes a lot of time, effort, and energy to fight the insurance/government for what you need. But it is doable. The main thing is to do a ton of research, get a variety of people on your side (i.e. politicians, mental health professionals and organizations, advocate, obudsman, etc.), and be able to prove "medical necessity".

No one believed me when I said I could get more sessions. My T never knew and the Access and Crisis Line didn't even know. But now they know. So just because insurance gives you a limit, doesn't mean you can't push that limit.

If you're having financial difficulties, I hope you give this a try

There are also ways to get your insuramce to reimburse you for out of pocket charges. Don't know enough about that yet.l personally.