It's all so very confusing for you right now, and I'm really sorry about everything you're having to deal with.
For what it's worth, I get the feeling of having been lied to by your T - I've had that a couple of times with Ts I've seen, where they've turned around and said they couldn't help me, and I just KNEW it was because they didn't want the hassle, that I was a 'difficult' client, that they felt they were putting more effort into the therapy than the gains to them were worth (sadly Ts - or at least some - do measure their willingness to work with a client based on what they get out of it, or in terms of how incompetent they are being made to feel...) Which is not to say that that's what your T is doing, just that I understand the feeling of having been lied to...
Correct me if I'm wrong, but from the way you are describing the insurance set up, it sounds as if you will be able to get more sessions with a T than the amount current T has told you about? In that case, would it be worth your while discussing this again with consult T, or even asking her for a referral? I suppose more to the point, do you still want to stay in therapy? From your posts on here I've gathered the impression that you have been working really hard and putting a LOT of effort and thought into your therapy, only to have been more or less obstructed in your healing by T rather than helped, so maybe for now you are 'off' the idea of therapy...
All the best with this Frosty, you so deserve a T who can help you.
LL