Thanks all!
I definitely think that my approach to the HMO will probably be: OK, when will you be offering the services I need in my area? vs. telling them how stupid the move is because most of them likely know that! If they don't have near-term plans to offer the services, then I can make a decision about changing insurance.

For my son, the work-around will be to connect with another child psychiatrist who will be in our medical center 1-2 days per week. She can help us with medication monitoring - since he's growing it's very important. For a kid therapist, we will find someone in our neighborhood, may end up just paying out of pocket.

For me, I've got a great therapist now and don't want to start again. Also, I feel like we are near to a stopping point. So, I'll probably make the drive out to the new center once a month, maybe have a phone session, try to get to the point where I'm ready to stop. I'm going to wait and see. She's also hopeful that she'll get to move to the medical center where I go, esp. if members (like me) demand services in that area. The family practice team there has just one therapist.

What we all know, and our therapists know, is that the personal relationship is so essential, and so core to the care - you just cannot substitute one therapist for another. The higher-up administrators SHOULD know this - the bean counters only care about the beans.