I work for a major insurance company and as an employee my deductible is $3400 with an out of pocket of $7500. I don't go to the doc unless it's very serious.

My son sees a psychiatrist once a month and a counselor once a week. The psychiatrist is covered, but it comes out of my pocket because I never hit the deductible. The counselor is not covered and that's $100 a visit (that's the discounted rate.)

Health insurance pretty much sucks no matter how you look at it,