LLT, what strikes me the most is YOUR attitude about what happened. Your T acted totally unprofessional but it seems like you're not going to make a big deal out of it. If I were you, I'd discuss THAT with her. Why are you letting her "get away" with this behavior? Do you let others treat you this way, too?

Even if you don't pay for it, I think your T should give you an extra session and NOT bill insurance. I also think a good T would be SURE to discuss this with you at your next session even if she's embarrassed about her behavior and apologizes. I just don't understand how a T can make a client sit there while she's on the phone when it's not an emergency! She could have stopped and told you to reschedule once she saw the phone call couldn't be completed in 5 minutes or so. It seems like you don't think you're important enough to warrant getting what you deserve? You ARE important enough to get treated respectfully by your T or by anyone else.