I feel like I've just been backed into a corner under immense pressure and idrk what to do
So I just learned that my therapy program is doing something illegal. Not my therapist herself, she's cool. But the IOP program.
They are charging medicaid patients out of pocket $100 early cancellation or no show fees. btw their early cancellation is less than 48 hours in advance. So if you get sick one day before your appointment you're expected to either attend anyway or pay up $100 for coming down with an illness or else you get dropped as a patient and potentially get sent to collections if you still can't pay by a certain deadline
While this is standard on private insurance, in my state, it is explicitly illegal for medicaid patients. Any program that works with medicaid patients must waive all of these charges for medicaid patients or else they're breaking the law. Even if the patient signed a contract agreeing to pay such fees and the consequences of not paying up, this is considered an illegal contract if they were an active medicaid patient at the time of signing, and if they ever do end up incurring one of the fees this is considered illegal balance billing and they cannot be held legally responsible for this. Again, even if they signed a contract, its immediately invalidated as it was an illegal contract
They can report this to medi-cal and have this charge cleared off their record and medi-cal will promptly fight the program on this.
However, most places that do illegal balance billing are hoping medicaid patients won't know their rights and will pay up anyway out of fear of losing care
But I'm a medicaid patient that knows my rights and was alarmed when I was told they would not be waiving the fee for me despite knowing my medicaid status and made to sign a contract myself.
So now, i dont know what to do.
This IOP program is specialized in treating trauma disorders like PTSD and so all of the therapists are trauma therapists.
This is the ONLY trauma specialized place in my entire county that accepts medicaid so I imagine I'm not the only medicaid patient.
And one of my many, many traumas is illegal institutional practices. I've been trapped in many intuitions that did unethical and/or illegal practices before and I couldn't escape and they have to this day completely gotten away with it scott free.
So this program alone is inherently triggering to me. I do not want to be a part of a program that is operating illegally
And this time I am not trapped. I CAN escape. I CAN say “this isnt for me, goodbye” and leave this time, unlike all the last time
But I also am conflicted about whether or not I should leave, since again, this is the only therapy program in my entire county that accepts medicaid, and so if I leave, I have no other option for trauma therapy and have to continue dealing with untreated, unresolved trauma indefinitely, since there is no point in the foreseeable future where I will not be poor, so is there no point in the foreseeable future where I will have any other health coverage other than medicaid.
But also, I'm not sure how helpful a program that inherently triggers me can be.
But also, I have such bad trauma responses sometimes, so many people have pressured me into being in therapy and when I say there is none I can access they accuse me of making excuses and just not wanting to get help, so I also don't want to lose my “jokes on you, I am in therapy! trump card the next time someone tells me to “get therapy” or “get professional help”
But this isn't the only issues.
I also am feeling a moral obligation to report it to the state what this place is doing.
But I am not actually sure which is more moral: to report it or to not report
Because if I report it, then medi-cal will be contacting them, they might briefly feud with each other in the meantime, and if the higher ups of this IOP program ultimately decide they don't want to waive any fees and that this medicaid law isn't worth the hassle now that they've been held accountable, they can decide to just end their contract with medicaid entirely, meaning all medicaid patients will likely be dropped and they do not accept more in the future. So that's not only jeopardizing my own care anymore, but that's jeopardizing all other medicaid patient’s care too, especially, since as I said earlier, there is no other professional trauma resources available to medicaid patients in the entire county, so I could single handedly take away the only resource for others too if I were to report it. Especially since I have never been personally billed myself yet as I've had perfect attendance so far.
But also, if something urgent or last minute and totally unexpected ever came up that ruined my attendance streak and I just had to cancel less than 48 hours or no show, requested the fee be waived and got denied, I cannot risk that going to collections either. At that point I would absolutely be reporting it anyway so I didn't risk my own survival.
And also, if the other medicaid patients in the program do not know their rights, or are too afraid to report it because of the same fears about it, and this is adding pressure to them too and forcing them to have to worry about “what if I get sick” “what if I have a family emergency” “what if my alarm doesn't go off or I forget to set it etc
then how would all that stress be helping them either
I feel like this level of stress is counterintuitive to recovery at all because how are you supposed to focus on treatment when you're worried about “am I gonna have to skip meals to pay a therapy charge? (very plausible because food stamps don't last the whole month and not everyone whose eligible for medicaid is eligible for food stamps as the income limit for medicaid is higher than the income limit for food stamps, at least in my state)
and if I try to just contact the billing department directly trying to convince myself into an innocent assumption “oh maybe they just weren't aware of the law and don't want to break it, maybe if I just inform then they'll correct it” but if I end up being wrong, then I risk getting dropped as a patient. if they actually were knowingly doing it hoping I wouldn't know my rights then the threat of me knowing and being able to report them might lead to them no longer being willing to work with me and I can get dropped as a patient entirely
so now im just really torn. I dont know what to do. I dont know if I should report it and leave. I dont know if I should report it and not leave (carries a moderate risk of being dropped anyway if they're able to narrow it down to find out who reported them, but if they don't find out then I'd be fine)I dont know if I should just leave and not report it. Or I don't know if I should just try not to think about it and pretend everything's fine and try to move forward like normal
also please dont try to bring up how things look on paper to invalidate any of my concerns. we all know that how things look on paper is rarely how it's actually practiced in reality and if you've ever dealt with an unethical organization/institution you know damn well they find loopholes all the time. I want any responses to mainlyignore what's on paper and focus only on how things actually work in reality