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Are you sure about this? A Federal mental health 'parity' law was passed a couple of years ago, requiring insurance companies to cover for mental health issues 'on par' with the coverage they offer for 'physical' health issues. In other words, your mental health coverage should be the same as coverage for diabetes (meds, appointments, tests, hospitalization if necessary), according to law.
What is your insurance? Is it private? Do you get it through a job (or a parent's job), through the state (i.e. Medicaid)? Did it recently change and if so, why and how?
I can't imagine a health insurance that doesn't cover inpatient for any reason? Because even the minimal ones (I think it's called catastrophic insurance) will pay for emergencies (even if only for emergencies).
I know some about health insurance through my job -maybe I can help you a little if you let me know what kind of insurance it is, etc.
Also, what do you mean by 'grant' to pay for your therapist?
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