i don't think the extent of training matters quite so much as good rapport and willingness to work together. one of the best therapists i've ever had was actually in her internship year when i worked with her. she wasn't always trying to classify me into being just like past clients / situations / diagnostic categories. i found that very refreshing. she also seemed to be very motivated to help me. we also... just clicked.

why do you feel differently about the phone calls than the sessions? do you feel resentful / hurt when she offers you a session the following week and you know you have to pay for a session? if not... i guess i'm wondering what is different about the phone call situation...

is it... that you thought you wouldn't have to pay for them and so you feel like she misled you / betrayed you?

it might be worth trying to figure out what is going on... so that you can talk to her about what is going on. if i couldn't do something (phonecalls say) because of the cost factor then i'd feel very hurt if my therapist kept bringing up the possibility of a phonecall - because it wouldn't really be a possibility, you see. it might be worth mentioning to her that you can't afford to phone her such that she either negotiates the cost a little or knows not to offer...