Kat, good news, they can't put you into in patient care against your will (not easily, anyway). The other bit of good news is that there are a variety of counselors and therapists out there that you could see without involving your mother's insurance. For example, if you're in college, try the school counselor. Church? Try them. There's also a variety of programs designed specifically for teens in crisis (on top of general sliding fee psychiatric clinics) and with a little research on your area, they're easy to find.

So I guess that's my suggestion, covert counseling.

Welcome to PC!

Cyran0