In many states insurance covers these costs. On my insurance the cost is the same as a doctor appt, $40, and that includes both the subscriber and the dependents. Psychologists and psychiatrists. It can be hard to find doctors who are accepting new patients but its not impossible.

I know at my previous job the Aetna payment towards my therapist ended up being $10 per session. (I believe I paid $50 and insurance paid $10).

For this reason, the vast majority of "good' therapists, in this market anyhow, choose to not accept below-market rates.