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I think it depends on the treatment you are seeking. Psychiatrists can write prescriptions, psychologists cannot.
I'm not sure it makes a difference if all you are looking for is a comprehensive work-up and diagnosis. I finally got insurance to pay for all-day testing with a neuropsychologist, and it was incredibly useful in putting me on a path to an overall better treatment plan with new providers. Her detailed report was life-changing.
Author: I paid a copay of $25, but insurance covered the rest. The practice did require that I get a few recommendations for the testing to be covered, including therapist and primary care physician, as well as have me complete a bunch of preliminary forms about my state of mind. It's been almost a year, and I have not been sent any other bill. Good luck!