The fear of change, that is a common one, I am sure a lot of us here can relate.
You know what else is scary? A high speed train barreling down the tracks straight towards you. But I would bet my last dollar that if your daughter were trapped on those very tracks you wouldn't hesitate for a second in running to her to save her.
Time to do it Jeremy. Insurance? Do you know how lucky you are? Get on that inpatient rehab today. If you can't do it for yourself, suck it up and do it for your daughter.