One has to pay for one's time, whatever the rate the therapist charges. If your insurance dropped her and/or she dropped them, etc. because they don't pay well, that happens. But if you use a lot of time outside the therapy hour, that has to be paid for too. Do you have a co-pay (in addition to what your insurance pays)? Insurance paperwork is a big pain/additional time factor for therapists, lots of therapists don't take any insurance anymore because of it costing them so much time they don't get reimbursed for.