I don't think that she would make a decision for you without your agreement in this case... But of course she can try to convince you that it is the best for you... For me it looks that she knows how to handle when you are in crisis but instead of keeping you out of the crisis she waits till you are in it again so that she could help you go out... If it is the case I am not surprised that she's so important for you! She cares, she helps, she's there for you etc... But I guess that you would prefer to not be in crisis at all than have a great help when you are already in...
I guess that it might be tricky to get two Ts paid by the insurance but maybe if it doesn't cost more than one T? And it would be only temporary to see which one is better for you... I know that it is not the best solution but I personally hate making so difficult choices and it would help me having all options "open", I could check another T but I still could come back to the current one...