Another update --

I received an email reply from the SE therapist. She does not take my insurance, unless my insurance pays for out-of-network therapists. I'm going to check into it, but I'm 95% sure Pacificare does not pay for anyone out of network. There's no way i could pay out of pocket for SE therapy, since my husband is disabled and i pay for all our expenses out of my wages. We are just barely getting by. I guess I could look into whether or not there are any other SE therapists in my city that take my insurance.