My insurance paid for 2x a week for quite a while, more than a year. It might depend on what diagnosis you have and all insurance companies are different. I could have paid out of pocket for twice a week but it would have required sacrifices. I could never afford 3x or 4x a week but my T only works two days a week so for me it's a moot point.

I don't know why using insurance would impact your disability claim but I'm not an expert.