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Unfortunately insurance has black or white thinking about psych needs, you must admit to being suicidal or you're not covered they don't think of delusional people being unsafe and hospitals are business first before being health care centers. So it's not unusual. I'm sorry you are going though this, it's a harsh introduction to USA psychology care.
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Nammu
…Beyond a wholesome discipline, be gentle with yourself. You are a child of the universe no less than the trees and the stars; you have a right to be here. …...
Desiderata Max Ehrmann
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