Hi justaron, and welcome to Psych Central!

Yes, our healthcare system is a bit "archaic"? Especially when one needs the sort of help it sounds as if you are in need of. (Cognitive Behavioral Therapy==turning all those negatives around--changing that catastrophic thinking you have going on---Me too!!
for many years!)

You are 27 years old; and you feel "it's too late" to get some help for yourself?

I know it's difficult. But, can you possibly google a Behavioral Therapist in your area who may accept your insurance? Or if you have no insurance, google NAMI in your area, and ask what possible programs they have which may be of little to no cost to you?

That's how I changed my life. I was taught how to turn my thinking around. Not an easy task; nothing worthwhile really is in my experience of my lifetime, and my twisted thinking.

You sound as if you are worth fighting for...

Please to pm me if you feel so inclined.

~~~~~Virago