I would not have been able to see a therapist not covered by my insurance. Bottom line: I had to put family finances first, and in network doctors, therapists, etc. are the only way that kind of service is a possibility for me. You have a few months before your deductible starts up again. Perhaps this is the time to seriously look into what providers would be covered by your insurance so that you can continue to get therapy without the finances creating undue hardship on you and your family. I know it will be difficult, but it may be the solution that you need to pursue.