I pay out of pocket, my t doesn't take insurance and my deductible is so flipping high I'd never meet it anyway to submit for out of network reimbursement. For awhile now I've been going every 2 weeks. But right now, I've been going through a bit of a needy period, needy of t, and we talked through it and I told her if I could afford it I would want to come twice a week, but no way could I afford that. So what we're doing instead (her suggestion) is I'm going once a week for a little bit and we're just doing half-sessions each time so I'm not paying any more than usual, but I'm seeing her more often for a shorter session. We'll see how that works, I had a half-session over the weekend and we got a lot talked through (I had gotten mad at her the previous session for pushing me about something) and we talked through that and worked on a couple dreams and it all fit in the 30 minutes. Seeing her after only a week, seemed to already start calming down the extreme neediness I'd been feeling. Maybe your t would be open to something like that? I wish you all the best.