Counseling is covered by most health insurance plans. You can check with your carrier directly to find out what kind of coverage you have. Many employers, such as the State of Missouri, Scholastic and AmerenUE, have Employee Assistance Programs which also cover short term counseling at no cost to you. At this time, I  am only accepting new clients with regular Medicare or self-pay. (This does not apply to returning clients who have seen me before.)