It's horrible to not be able to afford what you feel you need. I see mine fortnightly - which is fine for me now but I still need to remind myself that while I might like to see her more, I really don't need to. When I first dropped down it felt hard to cope for two weeks between sessions so I'd journal, do lots of self care type activities and plan something nice in the time I'd usually have my session with her.

I wonder if it would help to think that you're not "at her mercy", but you do have a limited budget for therapy and it's responsible of you to work within it. It does sound like she's trying to work with you on letting you "pay what you can" but I could also see she may not be able or willing to increase sessions with you until your insurance kicks back in. I guess the love/hate feelings might learn if you didn't feel the limit on therapy was something she's doing to you, that she could change if she wanted to/really cared etc.

The feelings may or may not be transference (ie feelings for her that belong rightly to someone else), they may just be feelings ie that you like her, want to feel cared for by her, miss her - that's all ok and natural. Your feelings will change in time, fornightly therapy can be very effective with the right person - certainly it's better than no therapy....