My job has health insurance, and it covers therapy! I finally get therapy, only to find that MY INSURANCE plan does NOT cover therapy.

I’ve struggled with my mental health my entire life. Some times have been okay, some times it’s been pretty rough. But I’m still here. During the worst of it, my now ex-wife didn’t believe depression was real, and my church would just tell me I needed more Jesus. I have been trying to get professional help, but without health insurance, well I was SOL.
After our separation, she gets hit by depression, and suddenly it’s real. She’s got friends and family supporting her, she’s going to therapy, she’s on medication, etc, but I just have do deal with my stuff as best as I can. Which hasn’t been very well.

So I finally get a job with insurance that covers therapy! I have a couple of coworkers talking about how great it is with our in-network stuff. They have a tiny co-pay, like $5/$20 per session. Sounds great!
I went look into it, set up an appointment, and for the first time ever found someone I could talk to face-to-face that would listen, and offered actual helpful advice.
I go to pay my little co-pay, and oops, my unsurance doesn’t cover therapy.
But I have the same insurance as my coworkers, and it’s the same in-network therapist!
I call the insurance company and comb through my plan. Apparently we have the same insurance, but I chose the WRONG PLAN, the only one that doesn’t cover therapy. I can’t afford this out of pocket.
FML.