I think many of you missed the part, “we are trying to get her into therapy but our insurance is tricky and only covers certain doctors”. So all of you telling her to get her into therapy aren’t paying attention. She’s TRYING, it’s just that our mental health care system is an extremely expensive and difficult mess.
For the OP:
Maybe try a women’s center that would have reduced rates for therapists who are not yet licensed (like seeing a doctor during residency), see if there’s a school psychiatrist/psychologist you can work with for free, or is the source of her torment at school? Remind your plan providers it’ll be more expensive if you have to take her to the emergency room repeatedly instead of a therapist.
Can bio mom help with expenses? Sounds like she may be the cause of some of daughter’s trauma. Are there other family members on both sides who could help with expenses for her?
I hate to suggest a Go Fund Me page, but it could be a last resort. Tricky to ask for funds without revealing its for mental health care or identifying your children. Maybe ask someone else to set up the page asking contributions for an anonymous friend?
Can you and daughter join a support group in person or online? That could help with strategies, & to let her know it gets better and she will get through this. Do you know how long this has been going on and what precipitated this behavior? If so, a rape/other abuse survivors group could also be helpful.
Sounds like dad could use some understanding of the cutting problem. The cutting isn’t the problem, it’s whatever triggered the cutting. Encourage him to read up on it & to join an online support group for parents of cutters. He needs to know there can be a happy ending too.
Since she feels control was violently taken from her, let her make as many choices as possible in her life. Instead of housework, make her chores anything she does to get better: the passed journal thing, using a red marker vs a sharp object, any behavior prescribed by her doctors, including taking meds.
Explain to the younger children how oldest has an illness, and the ways they can help her to get better (extra hugs, not getting mad when she gets extra one on one time, whatever research and medical professionals suggest).
I’m so sorry you have to deal with all this while pregnant and raising other kids. Are you working too? I can’t imagine you are, but getting additional coverage for you and the 12-year old as secondary insurance could be beneficial to covering her costs.
Prayers for you and your family. You all may literally be saving her life. Be sure she knows whatever happened was not her fault, she has your family’s unconditional love, even when it’s hard.