Dear T,
Please write back today and say you'll be willing to adjust my rate. Even if it needs to be a bit more than what I said. I'm not ready for once a week, and I can't afford this with the insurance changes at your usual rate (of course, I've already unknowingly paid that for the first part of the year, thanks to my insurance taking eternity to process claims...)

I promise this isn't me testing you. I know you might jump to some conclusions after our conversation yesterday and think this is a test. But I really did just get the EOB last night, and H called the insurance this morning for explanation. I'm scared though that you'll feel trapped into offering me a reduction and then resent me for it. Even though you had told me before, when I was worried about H losing his job during the layoffs, that you'd be willing to work with me on price if my income changed. Well, this is a form of my income changing...Getting like $230 less back from insurance a month than I was. I hope you see it that way. And I'm not asking you to make up for all of that, just meeting somewhere in the middle. I've been a reliable client and brought you some steady income for a year and a half. Please help me out a little? Even just for a few months, then I can wean myself to weekly at full rate?
Love,
LT