PT has benefits, but it may not be cost effective for your out-of-pocket costs.
Sounds like you're doing one PT session a week, so US$200 a month. Part of what you and your insurance pay for with PT is the equipment you won't (generally) find elsewhere. However, with 3 months of experience you could probably improvise with regular gym equipment. It might just take longer to get the same effect. Some discount gyms cost as little as $10 a month for an individual.