It all depends on your iurnsance. I had to go to the doctor first and get a referral to go to a therapist. My iurnsance paid for a certain amount of visit a year, but each iurnsance policy is different. Also, you're assuming that your mom wouldn't want to pay. Talk to her, let her know what the problem is, let her know why you want to get help, you're assumption could be incorrect. I started out telling my mom by making a list of symptoms . I then, not telling my mom what this was about, questioned her to answer yes or no about if the the things on the list describe me.