Hi Zenda...
Yes, the beast is "comfortable".... because he/she is what we know... we've become used to it...
When I am "beast-free", I lie in bed... and I wait... and wait... for my stomach to turn with anxiety (which is fear)... and when it doesn't come, I'm not comfortable... its what I know!
Fortunately, I'm medicated with a great anti-depressant (for me) ... it most often keeps the beast at bay but not always

It creeps up so fast, sometimes... almost as if I'm self-sabotaging ... repeating patterns to bring it on.
Its breaking those habits that is difficult. I'm glad you're talking to a doc... and don't let that insurance company bring you down further... they are all about money.. period! good luck with that.