Final answer:
As an ethical therapist, you should refer Elena to a community mental health center for affordable services or determine new payment terms for continued therapy with you.
Step-by-step explanation:
In response to the dilemma concerning Elena, your client of two years who is losing her insurance coverage, as an ethical therapist, you should refer her to a community mental health center where she can get services at a low cost or determine new payment terms so Elena can continue working with you.
It is essential to provide ongoing support and resource options to clients facing financial hardships. Referring to a community mental health center can provide Elena access to affordable mental health services.
Alternatively, restructuring payment terms might allow her to maintain the therapeutic relationship and continue the progress she has made.