I've never had an insurance issue when I went to ER. what I told doctor's, nurses, psychiatrists and social workers is that they are trying to keep me safe by admitting me. But the real danger which they don't touch is when I get out and can be alone. And that I don't find real help from DBT or CBT because those are courses taught in class-like settings. Part of my illness is that I fall asleep in a class. That freaks me out that I am unable to stay awake. No ever touches this either. I point out that they are being unresponsive to my needs so they don't treat me. They let me choose to not be treated in their ineffective way.