I have a limit too, I think it's 20 sessions including an assessment. The limit on visits is ridiculous. My T is in private practice so he's pretty flexible. I make decent money (not great, but enough that I wouldn't qualify on income based things) but my T just told me the rate my insurance pays him and told me to figure out how much of that I can afford and to let him know. He said to consider my other expenses too. Maybe if you talk to your T in advance, he can work with you on it. I read somewhere, and I can't remember where, that T's can't charge you anymore than what your insurance would pay, so if your insurance approves $65/visit to the T (including your copay) then your T can't charge any more than $65. I think it was in a Code of Ethics for LCSW's but I'm not for sure.