Another UPDATE:

So I just looked at my benefits online and I was confusing my out-of-pocket maximum with my out-of-network deductible. My out-of-pocket max. is what is 5000, my out-of-network deductible is only 500 before insurance will start paying some of it. Not as bad.

After 4 visits with T (if she truly is out-of-network now) would cover it, then insurance would pay 60% (I would pay 40%) of the visits. Maybe T would allow me to work out a payment plan for the 4 full price visits. She says she thinks she is still in-network though, so maybe Cigna just made a mistake.