It sounds like you go to a clinic rather than a private practice? If that is the case, I would make an appointment with the clinic director and state your case and see if some accommodation can be made for you so you can continue seeing your therapist. The rate is what is charged if you do not have insurance they use and some people pay that out-of-pocket because they do not have or want to use their insurance. It is very unfortunate that she cannot see you in person to discuss the problem but it sounds like she is constrained by her clinic's/others' rules about her job. She may not have personally decided to drop Medicare, as another person has said, who-pays-for-what and how is rapidly changing and Medicare is often being dropped by other mental health therapists/clinics too.