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What if you could get out from under what's been bothering you--anxiety, depression, low self-esteem--in three or four months for about $320? That's the promise of cognitive behavioral therapy (also called cognitive therapy or CT). It's an intense, short-term treatment that helps you recognize and change harmful thoughts and behaviors. Because CT takes only about 16 sessions, you're likely to be reimbursed for most of the costs under almost any health plan. If your insurer pays 80% of each $100 visit, your total outlay would be only $320. CT is no panacea. Some mental-health experts believe that severe illnesses such as schizophrenia, chronic, relapsing depression and serious personality disorders require drug treatments to treat. But studies have shown that CT is effective in reducing symptoms of such illnesses.