I understand not wanting to be in contact with her. I'm sorry that it's so painful!

Could you send the 70% with a very brief, professional note explaining what's going on? I'm thinking that it might be easier for you than more immediate forms of contact (i.e. phone, email).

Like: "Dear T. I have depleted the funds from my HRA, and my insurance is now requiring me to meet a $ZZZZ deductible - therefore it is not covering any of my sessions. We previously agreed that, in these circumstances, I'd be able to pay 70% of your normal fee (to match what the insurance should be paying). I'm enclosing $XXX (70% of the billed amount, $YYYY). Thank you. Sincerely... <signed>"

I'd probably leave it at that, and let her reach out if she feels that you owe her more. No need to apologize, though I understand... my last T raised his rates, but kept me at the old rate, and I really struggled with it (even though it was still very expensive) - it felt like I was taking advantage.

By the way - why is your insurance charging you the family deductible? Is it just you - no spouse/partner/kids on the police? That sounds *very* suspect to me. You might want to look into it a bit more... I'm not sure how they can do that.

Good luck!