My situation is also not entirely covered - my T has a private practice which is funded by the county/public health care system, so I only pay the same as we pay for regular or specialist health care, a low fee four times every year and then I've paid the maximum amount and most health care including my T visits is free for the next 12 months. (I ticked "public health" above.) I am very lucky because there are not that many Ts who are part of the health care system, particularly not Ts in private practice who can offer an unlimited number of sessions. I used to have to pay out of pocket, with my previous T, and have noticed that when my therapy is paid for by tax payers' money it motivates me to work a lot harder in therapy.