Insurance is "insurance" and is an "in case" you get sick thing. No insurance is going to continue to pay out more than you pay in for very long, there is no way that can work. Insurance generally gets a better rate for doctors instead of the "real" rate, and/or there's high deductibles (mine was $4000) to keep the monthly premiums lower, etc. If you see a therapist 3x a week, you are still going to be paying a lot out-of-pocket, just maybe not as much as you would be without insurance but don't forget to take your monthly premiums in consideration of the costs; it is possible to be paying more for insurance than you are getting from it, if you forget the monthly premiums count too.

With something like mental health, eye, dental and individual illness-types of insurance, the premiums are going to be larger or what is covered, less, because not everyone uses that kind of insurance so there is not a very big pool of people not using it but paying premiums "in case" to cover those who use it more. Because of that, insurance without mental health coverage will be less expensive than that with mental health coverage. Check, too, that your therapist takes that kind of insurance!