Am I right in thinking she's seeing you at the clinic, which does take your insurance, and doesn't want to move you to see her privately because she wouldn't take your insurance? So you would need to pay her out of pocket? That in itself is enough of an ethical issue to keep you at the clinic because she would be moving you to an arrangement that's less financially beneficial for you. I know it's rough for you. It it does sound like she's trying to be as fair as possible in the circumstances.