I have health insurance through my employer. Not only is there a $6000.00 deductible but they will not cover any kind of therapy except short term (it's in the contract) and they get nosy, wanting records and notes ans such to give their divine approval.
I pay out of pocket and this year I increased the sessions from 1 to 2 per week so it will come to about $4400.00 this year.

A lot of money for me and I don't regret it, but sometimes when I'm focused on external 'things' I have thoughts about other things I could be doing with that $500 each month and I imagine those 'things' would make me happy enough. Not true, although they could make me happy for a while.