Hi LT. I hope the fee discussion goes well. I felt bad recently when my T said she wasn't getting paid by ANY insurance companies (she must not be doing the paperwork right). Ever since the old practice closed and she had to sort of go it on her own. So she is only getting the copays. (For me, the copay is about half of what insurance pays when they pay the full rate.) I shouldn't be paying copays right now because I met my out of pocket maximum but I feel like I can't pay her zero so I just keep paying her copays. It's not fair to either of us. I hope she gets it sorted soon. Anyway all that to say, I hate financial discussions too. HUGS Kit