So you feel depressed or anxious or stressed, and think mental-health counseling would help. But you also have an insurance plan that requires you to spend hundreds or even thousands of dollars before coverage kicks in. Perhaps no surprise, cost is the No. 1 barrier to obtaining mental-health care, according to a 2018 federal survey of 5,000 Americans. But instead of giving up, it’s important to explore your options -- and there are a surprising number for people worried about the cost of mental-health care.