I've seen therapists who charged absolutely nothing, therapists who charged very nominal fees, and therapists with standard fees but who were on my insurance.

Honestly, I would have never been able to go to a therapist if I had to pay their full rate. It just would have never even been an option while raising kids, running a household, paying medical bills, etc. So, I HAD to have a therapist on my insurance so that I only had to pay the insurance copay. I never would have gone into therapy with a therapist I could not afford. But even then, sometimes the copay itself was even out of my reach, particularly if I was in crisis and needed to see the therapist more often than usual (which was about a week to 10 days). My last therapist would work with me in those times which didn't happen all that often, but he wouldn't let me go without care if it was an emergency. But the fee one way or another had to be paid eventually - I wouldn't expect any differently.

But I guess my answer is that I couldn't have seen a therapist I couldn't afford and wouldn't have even sought them out in the first place. Had my therapist for some reason dropped my insurance, I would have had no option but to find a new therapist that I could afford.

But I don't think that would be an indication of a lack of care on the therapist's part. It's just reality. I know enough about insurance that if they drop a carrier, it is because they aren't getting paid well or in a timely manner by the company. If the have multiple clients on that insurance, they simply cannot continue to do business that way. I wouldn't see that as the therapist dropping "me". (I've been through this with some very excellent doctors and as frustrating as it is, I know it isn't personal).