Just wanted to share this idea with others, in case it may help someone else. Our insurance covers 30 mental health visits per year. We are almost out of covered visits. I'll be paying 100% of my difficult child's group visits and saving the insurance for the psychiatrist and SW(insurance pays 50%). I came up with a way around this and our SW is willing to do it. I am going to make an appointment with the SW for me and bring difficult child with me. He won't have difficult child's chart but he's okay with that. Typically our one hour sessions are spent part time with both difficult child and me (about 20 minutes) and the remainder of the time just difficult child. Occassionally, it's just me for a few minutes, too. It all gets billed as "family counseling" so I figured it was worth asking SW if he was willing to do it this way, just to get us through the end of the year. Even with the insurance, I'm still paying about $300 a month!