Unless you are limited to s certain number of seasons or if it affects you financially, I would just wait and see what she says about it. I personally wouldn't say anything to the insurance company unless I felt it was really necessary. I'm biased though and have never felt much sympathy for insurance companies, so what people do is their own business unless it affects me in a direct way. I had a T a long time ago that billed my insurance company when I didn't show for a couple of appointments. I knew he shouldn't have but since the alternative was probably charging me a hefty no show fee (often the full price of the session), I never acknowledged it.