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[quote=Anonymous]My insurance has zero out of network coverage for therapists. I've now tried in-network therapists but they just aren't great. I can't find one with more than 5 years of experience and one of the ones I saw actually broke confidentiality (she would tell me all about her other patients and I'm guess would tell them about me). It seems like once a therapist is more seasoned, they stop taking insurance because they don't have to.

I have gotten several recommendations for good therapists but none of them take insurance. I can find someone for less than $200 a session if I take a newer therapist who is being supervised. And you can find therapists for under $100 per session if you are willing to take an intern. But an experienced therapist is at least $200 for a 50 minute session, often more. And based on my experience, I am just not sure it's worth it to see someone who isn't pretty experienced. I have childhood trauma and PTSD, I know my issues are complex and challenging. That's why I want therapy. But I'm not dealing with situational depression for a job loss or a someone who was mentally healthy my whole life and then needs help getting through grief. I have capital "I" Issues.

It just feels like it's only for wealthy people. Spending $800-1000 a month on therapist means I'm basically saving nothing except a retirement contribution -- nothing for my kid's college fund, no other savings or investments beyond my existing 401k contribution. That seems irresponsible. And I don't even know if it will help yet.

Just venting, I guess. I think therapy could help me but the kind of therapy I can afford seems minimally helpful. I guess my current plan is if my parents leave me any money when they pass, maybe I will spend it on therapy to help me process what happened in our family when I was young. I know that sounds morbid. But it seems like that might be the only way I can ever afford to do this (and even then I know I'll feel bad spending that sort of money on my own therapy instead of using it to help my kid or pay down or mortgage). [/quote]

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