I will add to this because I am in my residency for pediatrics. First of pediatrician or pediatric specialist of any type does not mean toddler, it generally means not adult. So I would get the she is almost a teenager out of your head. The second this I will add is while 200 may feel like a decent amount of money, it is nothing to medically make sure things are done right.
From the tools to the knowledge and extensive additional training, pediatrics should always be utilized when it is possible. As far as an insurance company that will only allow pediatrics until 6, I would get rid of them. It sounds like the insurance company is the problem more then anything. This must be a DMO or similar, they contract usually with larger but lesser quality practices that are more like dental assembly lines then offices. These offices like American Dental Concepts, and other chains (not individual Dr’s) are usually lesser quality.
Funny thing is you would probably pay a little more to take your car to someone who worked on that type pf car or problem if you had one, without question. Why do people always try to save a buck on something like this?