Ugh!!! I can relate to having insurance issues, but I ended up paying out of pocket for mine when I needed to, even though it was a terrible strain on my resources. I may be facing that again when I reach my cap of 30 visits...and considering I am not working full time yet with very limited income - and being a single mom with a mortgage - I have no idea what I am going to do when I am faced with this again in a couple months. (BTW, I've been seeing my T for about 3-1/2 years.)

I wonder if you can work something out with your existing T....perhaps a lower rate, or a change in the duration of visits (which is one thing I did - cut my sessions from 2x/week to 1x/week).

Or, talk to your T about recommending another T. Since your T knows you, your T may have an idea of who may be a good fit for you.

In any case, try to give yourself the time you need to wind down with this T and give yourself proper closure....