Ugh, I've been there. Well maybe not this severe as I wasn't worried about my housing but I've had the therapist rack up $650 in money I shouldn't have paid due to exceeding my out of pocket maximum. This was when I was in school and couldn't even afford heat. For some reason, this happened every single year until last year when I finally learned my lesson and started monitoring my progress toward reaching my out of pocket maximum.

I was also really irritated when nobody told me the therapist was using a different billing code that resulted in me having to spend an extra $72/month. I'm still kind of mad about that, tbh.