Sometimes the objective of therapy can just be to have someone to talk to who can provide some feedback and help you cope with some issues in the short-term

Does Jeff realize you are having a hard time, even if he doesn't know exactly why?

I get a "long" session (40 min vs. 20) with my pdoc and her office submits a bill to the insurance co. for about $140, and they reimburse her for about $90. I haven't seen my therapist in a long time, and I don't remember what the costs were, but I would imagine they would be less?