It’s usually a way to just get your foot in the door, then once you’re in, you don’t need to pay for them. For test shoots, yes. Sometimes the agency will front the costs, then deduct it from the model’s earnings. Other times models have to pay the photographer out of pocket.
Once you have 10k followers, Instagram will make it easier for you to get people to your website via Stories with the swipe up to link feature. Swipe up is the only way to get a direct link from your Instagram to your other web properties. And, it’s available in STORIES, if you have 10k followers.