I think everyone has a different situation so what appears to not make sense to you, kim, is not always that simple to solve. For example, I have two different health insurance policies, one through my employer and one through my husband's employer. They are both considered outstanding and I doubt I could purchase better independently. My husband's provides about 20 sessions per year therapy and mine provides 50 sessions per year. However, my therapist is not covered by either policy. And my therapist is so perfect for me and is helping me so much, that it is not worth it to quit therapy with him and seek another therapist who is covered by my policy and who might not be helpful at all. When I first began therapy, I did go to a covered therapist, and she was not nearly as good as my T, and of limited assistance. I went for about 20 sessions and then quit when I had reached the limit of her ability to help. There is no guarantee that a policy purchased outside of my employer, for tons of money, would cover my therapist either.