u/throwaway38098310831

I don't need to hear about how much I fucked up. I'm an idiot and I suck. I know that. I feel absolutely awful. Please try not to be too unkind.

I submitted 13 receipts for therapy to my insurance. These were real therapy sessions, but I did not pay my therapist. The total amount owed to my therapist is around $1550. My therapist has kindly decided to forgive my debt to her and consider it pro bono work. I did not have enough money, even after working, to pay rent and eat, and stupidly, this was what I did to get by. I have a whole sob story but it does not excuse what I did.

I received a letter in the mail asking for receipts of all my claims in the past 12 months. I have sent in all my receipts, all of which say "no payment". The letter says "If the information provided is found to be non-compliant, we may need to review your entire file and seek reimbursement for the claims we have paid for and for which we are unable to confirm the legitimacy. Moreover, we are taking this opportunity to remind you that any user who does not comply with the terms of use of our online service may lose access to it".

How fucked am I? What do I do? Do I play stupid?

Is paying the money back and losing access to my insurance's online portal the only consequences I may face? How likely am I to have this reported to my employer (and subsequently lose my job)? Am I looking at legal consequences?

Any help would be greatly appreciated.

I don't need to hear about how much I fucked up. I'm an idiot and I suck. I know that. I feel absolutely awful. Please try not to be too unkind.

I submitted 13 receipts for therapy to my insurance. These were real therapy sessions, but I did not pay my therapist. The total amount owed to my therapist is around $1550. My therapist has kindly decided to forgive my debt to her and consider it pro bono work. I did not have enough money, even after working, to pay rent and eat, and stupidly, this was what I did to get by. I have a whole sob story but it does not excuse what I did.

I received a letter in the mail asking for receipts of all my claims in the past 12 months. I have sent in all my receipts, all of which say "no payment". The letter says "If the information provided is found to be non-compliant, we may need to review your entire file and seek reimbursement for the claims we have paid for and for which we are unable to confirm the legitimacy. Moreover, we are taking this opportunity to remind you that any user who does not comply with the terms of use of our online service may lose access to it".

How fucked am I? Is paying the money back and losing access to my insurance's online portal the only consequences I may face? How likely am I to have this reported to my employer (and subsequently lose my job)? Am I looking at legal consequences?

Any help would be greatly appreciated.