Hi InRealLife45,

There are quite a few references on the internet relating to the termination process between therapist and client. In general, they all seem to adhere to the basic belief that the proper way for termination is done over a period of time and face-to-face. Your situation is unique.

From what I gather, your therapist opted out of Medicare, and you were left with the one insurance company coverage. What I'm confused about is why the other insurance company plan terminated her from their plan. When they did that they created a situation where your therapist needed to terminate your treatment. She did email you and offer to continue treatment. Unfortunately, you're unable to pay out of pocket which is totally understandable. I do think you have the right to speak with her and explain how you feel. Have you considered calling her? At least speaking with her might afford you some consolation about the ending of your therapy and how it went. You have nothing to lose by trying. Also, I'd contact your insurance company and express to them how their actions have caused a lot of trouble for you. Sorry this unfortunate set of circumstances happened to you. The insurance companies need to be closely regulated so they can't get away with doing this sort of thing to people. I wish you well with whatever follows.