I don't like those that don't. It's not right, in my view.

My long-time psychiatrist accepted Medicare and one or two private ones, but not the one I was using. [I have Medicare, but don't use anything but the free part A. I used Aetna under my husband.] I did get out of network benefits, though, through Aetna. My psychiatrist has been worth it, though, but the copay amounts have been costly.

In Czech Republic I will have public insurance because my husband is a citizen. We will pay about $95 each per month for it, with no co insurances, deductibles, or no or piddly amount of co-pays for medications (total med co-pays will not exceed 500 CZK per year, which equals $24 or 20 €.) Many employees of companies have the monthly cost covered by their employer. Hubby and I will pay the $95/month because we don't (at least yet) have a Czech employer and are/or are considered self-employed. All doctors accept anyone with insurances recognized in Czech Republic. That includes private purchase insurances for Czech coverage bought by foreign expats with no citizen connection, unlike me. Compared to in the US, private insurance costs are extremely low. Even fees for zero insurance are notably low for foreigners. All Czech citizens are covered by public insurance, even those who are jobless and cannot afford a small monthly contribution. Universal coverage.

In Czech Republic, as for therapists, to see a public "fully covered" therapist, you must have a significant psych diagnosis. Bipolar disorder qualifies. Otherwise, they aren't covered by insurance. However, full pay private is still only about the equivalent of $30 per hour. Therapists that are "full coverage public" are always PhD psychologists that will have had more education and other training requirements than many who are private only. Those who see private therapists are usually people with issues like marriage counseling, self esteem issues, or the like. Non major psych.