Ugh, that sucks, I'm sorry. So you should check into whether your insurance offers any out-of-network benefits. You'd have to submit the claims yourself (T would give you an invoice), then you could get some percentage back in reimbursement from the insurance (mine gives 50%, for example). It may not offer them, but worth it to check, then you wouldn't have to pay full $100. You could also see, if you meet the T and like her, if she might offer a sliding scale, as many do.