Some jobs also have an Employee Assistance Program that will provide a (very limited) number of visits to a therapist, whether the problem is related to the job or not. The only insurance I've had has either been student insurance (which relies a lot on university health care centers) and what I have now, which is really above average, so it's hard for me to gauge. A lot can also depend on where you live, particularly the urban/rural divide. When I took a Dialectical Behavior Therapy class, several of my classmates drove an hour for nearby small towns.