I would think that it would depend on your insurance coverage. Usually if a doctor decides that you really have to go into hospital, the insurance company will pay, but sometimes they won't pay for you to be there for very long which means you have to leave before you're ready. But a psychiatrist is the only person who can decide if hospital is the best place for you.
I know that it might sound ideal to be in a psychiatric hospital when you want to escape from the world but it can be a very difficult experience as well. When I was in hospital for two weeks, I liked the fact that everybody knew I was ill and nobody expected too much of me, but you get very little privacy. I had people checking on me every 15 minutes, I wasn't allowed to lock my door, including the bathroom door, and I really wanted to just go home by the end of it.
It sounds to me like you're idealising the idea of hospital. There are lots of ways for you to learn to cope with your emotions without doing that. But ultimately a doctor has to decide so that's the next step you have to take.
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