She might be a decent human being but she's a horrible therapist. It is part of T's responsibility to know the rules, and Medicare rules for therapy are easy to find and learn, for the adminstaritve aspect of providing therapy, foremost costs and coverage.

She did you a terrible disservice by giving you false information that she had to retract a wekk later. That's incompetent of her, insensitive, and professionally irresponsible. Few T's make that kind of error. She is not a good therapist if she can't handle her adminstrative responsibilities adequately. And esp. given your tight financial situation, she should have been extra careful to know what she was talking about.

I don't doubt that she told you the truth at the final appointment--that she didn't just decide to apply a set of rules that she didn't have to. I'm sure she was following the rules she needed to, but she really screwed up by misinforming you earlier.

You don't need and shouldn't want to have a T like her. Maybe some parts were good, but her screw-up at the end is uncommon. Don't give up on therapy altogether because one T--however much you liked her--screwed up. Keep trying. There are good T's out there who will help you. Don't give up on getting help over this. Don't judge all T's based on the behavior of her.