Final answer:
People with psychological problems are typically hospitalized only if they are an immediate threat to themselves or others, not merely based on their diagnosis or insurance status.
Step-by-step explanation:
Today, most people with psychological problems do not need hospitalization. Generally, they are hospitalized only if they are an imminent threat to themselves or others. This principle applies across various mental illnesses, including schizophrenia, major depression, bipolar disorder, anxiety disorders, and more. It is important to not oversimplify mental health care; not all people with schizophrenia are hospitalized, and having insurance does not necessarily mean hospitalization. Hospitalization is reserved for those in severe crisis or who pose a direct risk to their own safety or the safety of others. Outpatient treatment, including therapy and medication, is the most common form of treatment for those with psychological illnesses.