If you are truly in D.C., you have a weird insurance setup: disb | Department of Insurance, Securities and Banking

I lived in the District for 13 years and it would not surprise me if what your therapist says is true. If you know/have a lawyer, I'd ask them to give the Department a call, they'll suddenly solve the problem (I had an insurance problem with Georgetown Hospital back in the day and just writing their legal department a particular letter dictated to me by my lawyer friend did wonders).