I was just having the same problem trying to find a therapist!! I was so frustrated that I just about gave up. But then I decided to give it a try again. I think how I was telling people what my insurance actually sounded confusing, so I rephrase it and had success. Not to say that will be your answer, but I really know that frustration. I had been trying since December and finally have an appointment in two weeks. Don't give up. And maybe you can find do a pdoc with flexibility in payment. But that's tricky because it is pricey, so I sending good vibes your way to find the right pdoc! Please take care.
Sorry for the rambling...