Your insurance company can probably refer you to a therapist if you ask. Then you will know which therapists they cover. Depending on your insurance, they might only cover therapists who are on their list. And not all insurance covers therapy. You will need to find out what benefits you actually have with your policy. If they don't, then don't give up. There are other options, such as student clinics or community mental health centers. For example, I provide counseling for free as part of my training, and it is available to anyone who signs up and is able to consent to treatment, at no cost. No referral needed, although most people haven't heard of our student clinic until someone tells them about it (refers them).