Once or twice my ex-t talked so much about herself she told me not to pay for the sessions. I sure didn't.

Toward the end of my time with ex-t, we met for free to discuss my growing concerns about her sickening, unethical behaviors. She gaslighted the living crap out of me and pretty much blamed me for her breaking the boundaries. Lol. So when she offered me two free sessions after that fallout so I could decide if I wanted to continue therapy with her or to find closure with therapy, I declined. It was for my own emotional safety.

Is your t going to charge your insurance and just not charge you the difference in what they don't cover? If so, does that make you feel less guilty? He'd still be getting paid, just at a reduced rate. If that's the case, I would be good with that and have no problem accepting.