Hi! Historically, I could never do an intensive outpatient (IOP) or partial hospitalization program (PHP) because I had no insurance. Now, I do, and I’ve hit my deductible/out-of-pocket max ages ago, but only for in-network. And like, no costs at all for out-of-network (OON) because why would I do that if I have a network– anyway, I’ve also hit a breaking point with my mental health and think IOP/PHP would be helpful or needed.

I’m since learning that these places will just charge a shit ton and you’ll be on a payment plan for your (patient) responsibility… great… nice. Cool. Okay, but my OON max is $12k. Babe, I don’t even have like $2k to spend, ok? That’s part of why the mental health is in the toilet.

I can’t imagine others just have a lot of money lying around or have the best jobs on the planet, so like, am I looking at the wrong places?? Should I just stop looking now? Go to another country or something I guess??? What does everyone else do? Go into debt or die?…