My insurance paid out of network reimbursement (70%) for twice a week for 5 years with no questions asked. They also paid for 3x a week one month when I needed it, again no justification needed.

Then I switched insurance. It’s technically the same plan, but through a different employer. Their contract with the insurance company must be very different, because insurance has been on my case since day one of the new plan. After a few months, they did a case review with my T, and decided that they will only pay for once a week. They said that we could have one more week of 2x/week, and then they would only pay for once a week thereafter.

So for now I’m down to once a week, as I can’t pay for a second session myself. (We are appealing the decision.)