I have an idea, if you told the doctor the truth, she would let you pay later. If you have been seeing this person for a few years, I think if it were me, even if it is over voice mail, I would tell the circumstances, let that prefessional have the option of seeing you or not. Some professionals will have mercy on you when you are financially strapped. This is what I have done with one of my doctors, and he saw me anyway. ginnie