So I've been seeing a therapist for a while. He's expensive, but I have benefits and really need this.
Turns out, my benefits don't cover services from people with his particular professional designation. My wife's plan apparently requires a doctor's note (how tf is my medical doctor going to determine that I need therapy for deep-seated emotion issues and help undoing toxic masculinity?!), so...that's cool. I have a health spending account, but it's small and then after that, I dunno.