My t doesn't take insurance. She could write me receipts and I could submit for out of network reimbursement (which I did for the first year I saw her) but since I work for a division of the insurance company now, I don't particularly want them knowing about it. So I pay out of pocket. I have an HSA account that I put money out of each paycheck into and my company matches it up to a certain point, so that helps. But yeah, therapy is expensive, but to me it's worth it.