I believe that you two have a long term relationship which entitles you to ask for a sliding scale rate so that you can pay what's affordable, such as the co-pay you're used to paying, or perhaps a bit more and continue seeing him. I feel that when we engage with each other in the long term like this, ethics dictate that we see the relationship through, that this type of long-term, intimate work, transcends simple financial considerations.

The way you feel is completely normal. I hope you bring your concerns to him and you two work out a sustainable plan. As it is, you have 5.5 months to work out that plan while you're still covered.

I had to stop seeing a provider before due to arbitrary limitations and it did feel devastating: but I didn't have nearly seven years in with that person. So, I can relate, but hope it ends up better for you, and I think it very likely could.