Aw, this sounds confusing and upsetting. I know that anything that occurs on or around my mom's birthday is highly sensitive for me. I'm sorry this got brought up for you at a time when you are already struggling with your t relationship.

I see frequently here that people's t's waive their copay. I deal with insurance every day, and I want to mention that waiving a copay is considered fraud under federal and state laws. It is also expressly forbidden by most insurances unless you discuss each instance with them directly. The AMA (the organization I am associated with) considers it unethical. I believe the APA has similar conditions.

Personally, I don't have a problem with it and I occasionally waive copays in circumstances when I feel I can justify it but I am prepared to have to explain it and I cannot make it a regular practice.

I wonder if your t is having to justify her waiver policy with your insurance company and that is why these old bills are coming up. If she charged for a session that didn't happen and waived your copay she may be trying to explain that to them.

I hope his isn't the case. I think what you need right now is some stability with your t and the chance to work on your relationship. Money and insurance issues are a stressful enough without everything else you're going through.

Sending you positive thoughts and strength.