My T doesn't text, but I do email sometimes when I'm having a bad time. He does not charge, but he has been very clear on the boundaries. He does not always respond, and he does not do therapy in email. This has been hard, as when I am really upset and need him to respond the most he wont, because it would be therapy. I've gotten around this to meet my needs in the moment by asking for confirmation on our next appointment, he will respond to that and I calm down until session and we can talk.

It sounds like you are doing a texting therapy session. You are being charged for a regular session, but it is in text and at your T's schedule. If you are going to pay that much, why not ask for a phone session at your schedule?