The father’s main business (as a van driver) is the current summer season transporting passengers and packages between downstate and upstate during the vacation months when people are traveling in those areas. So this is a large portion of his income.
Also, being in business for himself I’m not even sure what kind of insurance he has, but generally whatever it is generally only covers a portion of therapy and even then the good therapists generally only accept out of pocket payments and most plans don’t cover out of network.