I can only say this in retrospect, but a red flag for me SHOULD have been a kind of up-selling on the part of the last T.

First, I was seeing her for an hour (50 mins) and then it turned into groups and then doing work "for" me in her absence, all billed to insurance.

This is going to catch up to me at some point when insurance questions it.....Man, I wish I had seen and acted on this red flag right away!