if affordability is an issue, there may be other less expensive alternatives. community mental health, easter seals, catholic social services (you don't have to be catholic), and others. investigate. as for the 90 day rule, things change in 3 months. they're being careful about liability. as for the office manager, complain in writing your experience directly to her superior (be factual and honest, not emotional). maybe this is not the managers first foray into rudeness. you have certain rights (at least in my state) to see, in writing, payment, disclosure, and other policies directly affecting your treatment. best wishes on getting the help you need.