For money, we get partial reimbursement from insurance (helps that my H works for a health insurance company!) for 60% of bills for out-of-network T's (which my T is). But last year they reduced the amount they'll cover 60% of this arbitrary amount like $132 or something. So will only cover 60% of $132. So I worked with my T to get a lower rate so that my out of pocket is still about the same. So I pay him a reduced rate. He's said that about half of his clients see him at a reduced rate, too. And for email, he's said that right now, with Covid, he's not charging any clients for it.

ETA: My H's job has nothing to do with what the insurance will cover, he works on messaging for patients, like "You're taking this drug, so you need to get liver testing done."