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Why do patients disengage from care even when access and technical quality are secured? Patients who obtain appointments, receive correct diagnoses, and report cordial provider relationships nevertheless delay follow-up, narrow service use, or disengage from treatment. This paradox challenges dominant frameworks that equate access and technical adequacy with effective care and suggests that care usability depends on the organizational and interactional conditions of clinical encounters. The concept of Cultural Health Capital (CHC) explains how patients’ and clinicians’ cultural skills and interactional competencies shape medical encounters and health inequalities. Yet CHC scholarship largely treats these competencies as possessed resources, overlooking how institutional conditions—particularly time scarcity and relational recognition—govern whether they can be enacted. Drawing on semi- structured interviews (n = 15) with U.S.-born African Americans and non-U.S.-born Black immigrants in the United States, this study conceptualizes CHC not as a static possession but as a contingent practice whose activation depends on encounter-level dynamics shaped by clinical organization. Findings show that technically correct care becomes functionally unusable when patients experience compressed visits or diminished relational recognition. Under these conditions, patients withhold questions, limit disclosure, or comply minimally—not because they lack CHC, but as strategic responses to institutional constraints that threaten dignity and increase emotional costs. Non-use of CHC thus reflects constrained agency rather than incapacity. By theorizing the institutional regulation of CHC activation, this study extends cultural explanations of health inequality to demonstrate how the organization of time and recognition within healthcare settings shape whether patients can use their cultural health capital to secure quality care.