Stupid insurnace companies, I don't have to deal with them in my country but I keep hearing these horror stories about them.
But as pink said - do your benefits reset at the start of next year? that's not to far away.

You did the right thing, calling her and wanting to talk about it.
Don't expect her to see you for free, she can't and it has nothing to do with her liking/not liking you
but as others have said some work on sliding scales or let you pay off slowly. Before getting all upset, just calm down and speak to her first
and see what she says. Good Luck