Fishmanpa, yes there's that, too. We have a high deductible plan, too. I loved the one I had when I was working and had an HSA. I was able to save tons of money and cover my whole childbirth expense with money I'd set aside in the HSA. But, the plan we have now through my husband's job is not nearly as good and there's not HSA, just reimbursement for a portion from his boss. I see a therapist twice a month and it's $101 per visit until we meet the deductible, which I 100% cannot afford - it goes straight on the American Express.