Finding a therapist who takes insurance isn't really a problem in my area. Pdoc's are a different story; a bit more of a challenge. Neither would happen for me without insurance; just not even remotely financially possible, so I am highly grateful for decent medical insurance. Up until a few years ago (when some of the laws about parity in mental health coverage changed), my insurance company would do a review with my therapist about twice a year to verify that therapy was still needed. It was never a problem and never interrupted services. A few years ago they stopped requiring any kind of verification and I've always had unlimited sessions available (and mine is an HMO which you would think would be uncooperative -- I've actually found them more than cooperative with both my therapy and pdoc coverage ironically enough).