I think it depends a lot on the insurance. I have Cigna which only has a $15 copay. Again, I'm sure there are different versions of Cigna as with and insurance. I live in a big city and there are a lot of therapists that take insurance. I guess it just depends what you are looking for. My main goal was to find a trauma therapist who was qualified in EMDR. I was lucky and found a great one. I see him twice a week but I could never afford to pay more than $25 a session. If I had to pay 100-200 I wouldn't even consider going. That is just too expensive for me and I have a decent paying full time job. I don't know how some of you do it.