You present your case well for a non-medical model for psychotherapy, where the treatment may be short or long, depending on the patient.

I have no objection to anyone ever spending their money on anything legal, but when insurance and/or government get involved, there are public policy issues always.

Considering this model, what do you consider to be a reasonable insurance reimbursement plan for the patient? How many maximum visits at what rate of reimbursement? Should MSWs and LPC care get reimbursed, or should that be reserved for Ph.D. level and above? Should long term psychotherapy be reimbursed forever, if the person can function in the world without it?