Believe me, good therapists will offer you very flexible terms. I have been treated by a psychotherapist https://www.australiacounselling.com.au/ for a year and at first we also had problems with insurance, they met me halfway and provided me with more than my insurance could cover
I'm not from the United States so I don't know what insurance will be like there, but I do know that therapies are very expensive where I live there are places where they can be taken for free but that is at the discretion of each person.
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little frequented in this country