When I worked in the US, my health plans had pretty good mental health coverage. You could spend 1,000s of USD per year for psychotherapy / counseling with zero-to-minor co-pays. If you required medication (prescribed by a psychiatrist), that was also well-covered with zero-to-minor co-pays. I remember specifically that mental health care had "higher coverage" because therapists were rarely part of the insurance company's network. You paid the health professional directly, then require reimbursement from health plan. (Yes, I know this isn't true for all health plans.)
To hire an experienced mental health professional in SF Bay Area, I guess the rate is 100 to 200 USD/hour. Most will have sliding scales, but that will not apply to well-paid engineers.
