I need help [20F College Student]

I am going to be admitted soon into an eating disorder treatment facility.

In order to have the treatment covered 100%, I need to pay my deductible

I am planning on going on a payment plan with the facility to pay for my deductible because I cannot pay it in full.

I saw on my insurance portal that the plan year was from Jan 1 to Dec 31st. I assumed that plan year meant coverage dates.

I am under my parents insurance. My parent just told me today that the coverage for this year ends in October and that the company they work for is going to be changing insurance plans.

Sorry if this is a stupid question. I am a college student navigating this on my own. My parents don’t know that I am seeking treatment so I can’t ask them for help.

If I am still in treatment, how would this work. Do I have to stop treatment? What do you do when you are in the middle of treatment and insurance coverage ends.

Should I even seek treatment at this point.

I don’t know what to do.