Dear T,
Scared insurance coverage change will mean I can't see you as much. I want to ask if you'd be willing to accept slightly less (like $20 a session less, so you'd still be making the vast majority of your fee) for a couple months, if it turns out the change is what we think it is. Just while I transition to once a week, then I can pay the full fee. But I'm scared you'll say no, even though you said before you could work with me on cost if H ended up losing his job. And then it will be glaringly clear that I'm mostly a dollar figure to you. I want to email you about this tonight, but I should wait until H calls tomorrow and gets all the information.
Love you,
LT