I would feel really bad if my T wouldn't work with me anymore because I was changing pdocs. It's not easy to find a good match with a therapist, so having to discard one for a technical reason would be hard. I hope you are doing OK. I think the best course is just to explain the situation to all the players, tell your T you don't want to leave but you need a pdoc covered by your insurance. Maybe you could even propose he make an exception to his rule and work with this other pdoc so you don't have to leave him (the T) too. Who knows, maybe he would consent, seeing as how you're kind of between a rock and a hard place. Best of luck. Just be honest. They will understand.