If anyone can give advice? My difficult child is 8 yrs old, he has been in inpatient treatment for 30+ days. Our insurance only covers 30 days inpatient and 52 psychiatrist/Therapy visits/yr (covered by Magellan, we are in Ohio). He is currently in the hospital now, and since he entered with 2 days of coverage left, the hospital will write-off all days beyond 30 for this visit only. But any new visits will come at a $1200/day tab. Dr is recommending that he needs 3 months of intensive treatment (out-patient) but not residential right now. I'm told I make to much money to qualify for medicaid or SSI or disability, but not enough to fork over $1200/day inpatient or $395/day full-day out patient, for more than a month. He has many different diagnosis, some wrong, some set us back a month or two. Current working diagnosis is bipolar, with no ADHD or Depression. I'm looking at a bill of $395/day x 5 days/week x 13 weeks = $25,675. Yikes!!!!!