In theory my insurance covers my weekly out-of-network therapist. In practice, I pay the therapist, submit my bill to insurance for reimbursement, and it disappears into the ether. They claim they'll pay me back within 60 days (sometimes 60 business days, sometimes calendar days).
I've gotten a couple reimbursements in the last year, but I'm currently waiting on at least 5 months of payments. That's maybe $2000 and I'm lucky I can float that through savings.
And this is all supposed to go towards my annual maximum out-of-pocket expenses but the online system doesn't show that, but the papers I'm mailed do.
Oh, and in theory I could go to an in-network therapist but in practice they either don't exist or aren't a good fit.
Edit: and this is with what's theoretically really good insurance, thanks to my union. I spent 5 months not knowing if they'd arbitrarily deny my therapy.