Thats crazy! I've never heard of that one before. But I'm not surprised because insurance companies do crazy things these days.

What did your insurance company say, when you asked them how you could plan your fianances? I'm sure they weren't real helpful, just curious about how they responded.

Do you know where/how the average rate is determined? Is the rate made public, like in the newspaper or online or something? Because I'm wondering if your T would be willing to be 'flexible' about the day that you see her. Meaning, that if you see her on a Tuesday, and then at the end of the week the cheapest average rate ended up being on a Wednesday, you could file your claim saying the session was Wednesday.

Also, have you talked to your T about helping with this? Maybe she would be willing to put a cap on how much you pay, regardless of how much the insurance company pays. SO if she would agree that you could pay $50 per session you could plan for that. And if the insurance is paying her based on a $125 rate or a $87 rate it wouldn't affect your payment, but your T would be paid less. It would be kind of like a sliding scale type of concept.

I guess if all else fails, you have to budget for the largest amount, and if one week you don't have to pay that much, consider it 'extra' money to save.

Sorry if none of this is helpful. I'm really glad you are connecting with the new T and that you like her so much. I hope things work out with the insurance craziness.