I totally understand how that would be very difficult to handle, especially because you have to see him less because of your finances.

In order to accept insurance, many T's have to agree with the rate set by the insurance company. He doesn't want to be paid that amount, but he is forced to if he wants to accept any insurance at all. $70 is extremely low for a T in private practice. Most cannot afford to keep their business charging only $70 for all their patients. And unfortunately, he has to charge more to his out-of-pocket patients to make up for it. It sucks, but it's how the insurance companies force them to do things.

I know you didn't ask for advice, but I hope that helps a little bit.