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You won’t need to worry about being denied sessions; because treatment can be growth-oriented, there is no time limit.  No medical record will exist that will interfere with getting other policies.  Many times, fees can be equal to your deductible and co-pay.  Some employers allow you to set aside annual pre-tax dollars to pay for medical expenses, which can reduce your costs for counseling even more; depending on your tax bracket, you could save approximately 25% of the cost of treatment.  Check with your employer to see if they offer such a plan, as many require sign up at the beginning of the year.