Oak, I know this is getting off topic, but I really feel squeezed by the insurance situation you describe in my own work. A lot of the private practice therapists here have gone to not accepting insurance. They charge between 100-300 per hour. Now, I know there are enough people who can pay that, especially since many don't want any record of seeing a therapist. But, I have a problem with it. I don't think I could do that, yet I don't want to deal with insurance companies, so I am staying at the clinic. I keep thinking that I couldn't stay there, if DH didn't have a good income, as my income is so small, that this really is my "give back" career. It's a no-win situation. The only benefit is that I have a lot of clients, with professional jobs, with very good insurance. They can't or won't pay the private practice rates, so they come to the clinic, which is exactly what I would do now (although I had a private practice therapist who took insurance). Thus, we have an extremely diverse practice, in terms of SES and culture.
I say this as I am getting ready to go off for my annual physical, with my carefully chosen doctor!