Your mother doesn't have a say in it. If you are not covered they will hospitalize you anyways and if you are not covered, over 18 and lower income, the county will possibly cover the costs. I didn't have an income or insurance the first time I was hospitalized and I was never billed for it. They did try to bill me for the ambulance ride but even that was handled somehow in the end and I never had to pay. By getting help you are doing yourself and society a favor. You are more costly in the long run by not getting effective treatment so don't worry about the money. I know that is easy for me to say but it's true. The money will work it's way out....you will have plenty of time to make and worry about money in the future....right now just focus on your health needs and the rest will fall into place.