I can't remember how long it was that one of my relatives who is schizophrenic was in the hospital but it was somewhere between 6-12 months. They couldn't get him stable. He's doing well now but he was in the hospital for awhile. His insurance covered it.

I used to work at several large insurance companies and they would typically put limits or caps on mental health benefits; sometimes even with a lifetime max. It differs widely. Best wishes.