I've been paying out of pocket for a long time now. However, since with h's recent 6 day hospital stay we'll almost certainly meet our family deductible after paying all the bills, I'll be able to submit receipts to my insurance and get paid back 50% (she's out of network, otherwise it would be more.) I'm researching it now actually to figure out if there's a limit to the number of sessions. I already know they won't cover over 50 minute sessions, so we're going to have to adjust there.