fallenangel, you sound really on top of things and your situation. (You are a really clear thinker--I am impressed!) I am really glad to hear your parents are aware of how helpful your therapy is and are so supportive of your continuing. I think that is so important to have them in your corner on this, and you do. And you are showing how cognizant you are of financial hard times by trying to save in other ways, such as switching to a free pdoc. As a parent, that counts for a lot in my book. When my kids act "entitled", then I stop wanting to do stuff for them (I know therapy isn't the same as buying them new shoes or handwashing their wool sweater, but I think you know what I mean), so a good attitude can be so helpful.

I guess I don't understand because if you have 8 visits left this year that are being covered by insurance and you are seeing your T every other week right now, then you have more than enough insurance-covered visits to last you through the year. So this is a good thing, and it is all taken care of? I also don't understand what you mean about your T would see you for the amount of the co-pay. You pay the co-pay and the insurance pays the rest, correct? That is standard and it sounds like you have enough covered visits to last you through the year. Win-win for both you and your therapist. I don't understand why your T has agreed you will pay her less than she should get when you have enough insurance visits left. I think I have not understood!