A lot of really good therapists don't accept insurance. A lot of really good psychiatrists don't take insurance.
Insurance covers on average two sessions of therapy annually.
Therapy is only effective over long periods (years) of regular (weekly/biweekly) sessions.
It's a fucking travesty.
I spend close to $500 per month, after insurance, for my mental healthcare. This is a therapist and a psychiatrist.
None of this is covered by my insurance.
I pay what I can with an FSA but it's extraordinarily exhausting.