Hi (((((((((Me)))))))))))

Where do you live? Your question about insurance will definetly depend on where you're living in the world (as far as I'm aware). I'm pretty sure that most (good) insurance plans will cover certain types of therapies/therapists, but might not cover it fully or have other rules. I'd suggest finding out from your insurance company about their rules.

You can go to see a therapist without a referral, but it can make it more difficult to find one. Also, without a referral an insurance company might be more likely to not pay for any part of your therapy (in my limited experience).

Therapists are bound by confidentiality rules unless they state otherwise. Depending on if they're in training or not, they might share some of the details with someone else, but it's doubtful and shouldn't be done without your prior consent. Most confidentiality rules also have to do with your age (and whether they have to tell your parents about certain things if you're below a certain age) and whether or not the therapist deems you to be a threat to yourself or others (or if there's been some sort of crime committed against a child, I believe).

This is all from my limited knowledge, so please don't take my advice as what is the real truth. In all reality, it would probably be best to talk to your own doctor about this, and then when you see a therapist to ask them about how you can pay for sessions, and about their confidentiality agreement stuff.

Hope that helps some.