IP can help you get things worked out quickly and let you actually feel better. As for expense they have social workers who can help you get onto any programs you are eligible for, including assistance through the hospital which is sometimes available (at my hospital if your income is low enough care is free; they also help me get hooked up with the right people to use my Medicaid (I have to spend a certain amount before it kicks in).

I think you really need to just give in and go IP and get things straightened out. You've been fighting this for months and it isn't getting better. I know you want to get better so why not just take the plunge and do it?