European here, just to give you some perspective.
My sessions are about 180 bucks I think. My T calculates it by the minute and I never see that calculation, so I'm not 100 percent sure but something around that number.

My insurance (as well as all other insurances in my country) doesn't pay at all for the first 300 dollars I spend on any medical expenses (i.e. therapist, regular doctor, whatever else I need...). Then they pay everything but 10% for the next 700 dollars and after that everything is paid by the insurance.

Right now I'm going twice a week, which is around 1800 a month. That means the first month of the year I spend 450 dollars. After that around 180 for a few months, and then nothing at all. If I went more, I'd have to pay even more in the first few months, but after that I'd not pay anything regardless, so unless somebody's living paycheck by paycheck, they can fully well do this. However, as far as I know insurances are not too happy about people going more than two or three times a week, and they have to give some kind of approval to cover (which normally is no problem to get, but they might say something if somebody went that much). I've never seen such a quantity of sessions offered by anyone though.