cec, you probably do have to pay each and everytime, depending on your insurance and/or the therapist. What I always tell people is this. Once you have a list of providers from your insurance company, actually take the time to give them an unoffical phone interview. Don't forget that you have that right; it is your money! Get a feel of what their therapeutic style is. Do you want someone who delves into your past, as far as childhood, to find where the maladaptive coping originated or do you want a more present-oriented therapist who will work with your thinking process to help you learn more immediate coping strategies?

Ask what their approach to therapy is. If they tell you, "I'm eclectic", then move on to the next one. To me, that just says that they have no strong theoretical position and tend to borrow from different theories. To me, that doesn't make for good therapy. Also, listen to your gut while you are speaking on the phone. If you feel that your personalities are compatible, then you'll probably feel comfortable with them. If, however, something gives you pause, just move on to the next. Basically, you don't want to just go to the first therapist on the list. Take your time to choose, get recommendations if possible and go with the one with whom you feel most comfortable. Best of luck!

I've come across a few who were willing to do a quick in-person meeting for free, but most wanted their usual rate for a session. Take Z's advice- I stuck it out with a therapist who rubbed me the wrong way from the first minute, and just wasted two months and a lot of money. I will NOT be making that mistake again!