Insurance typically does not cover general counseling sessions unless you suffer from a disorder. Counseling serves as a treatment for a disorder and could be covered under insurance plans. Talk with your insurance provider to obtain your coverage limits.
Cost of counseling is precisely the reason that many of us limp through life. I may be unrealistic but why is it that a person cannot get delivered in church as Jesus was able to deliver people even when they didn’t ask for it. I think there is a need for deliverance ministry in all churches.