Well. Here's another update after more than a year.
I've continued to see this T and he not only reduced his fee, he's going to start accepting my insurance. In the mean-time, he's not charging me anything (till the insurance is figured out)
I've been fairly stable ,not needing inpatient for over a year. If/when I do need it again, its cause I do have multiple dxs. and flashbacks , memories and grief make things difficult. I am very glad I continued to work with him.