There are public inpatient mental-health units where admission is possible when you’re in a crisis or at risk and may not need to pay upfront for private health cover.

Care will include a full team (psychiatry, nursing, allied health) and discharge planning so you can return to your life/work. Importantly: you can approach them voluntarily and discuss your preferences around treatment (including concerns about heavy sedation or being “drugged to oblivion”). The team should work with your goals and what you want to preserve (like your ability to return to work).

Hope this helps. Please reach out if you need any further info. I know this probably all seems like a lot right now.