I like talking to the health insurance company here

me: I am looking for a therapist in my area.

insurance phone lady: I can help you with that (pulls up a list of names and phone numbers, reads them off to me)

me: and how many sessions do you cover?

insurance phone lady: that depends on your therapist. Basically, the therapist decides. If he says he needs to see you every day, or every week, or once a month--whatever he decides, we cover that.

me: so do I pay him and then send in a claim form?

insurance phone lady: no, you just show them your insurance card, and they bill us directly. You don't get any bills from them.

me: and do I have a copay?

insurance phone lady: what do you mean?

me: like, I pay a fixed part of the bill?

insurance phone lady: I am sorry, I don't understand. What do you mean?