8 year old chronic OCD

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This is my first posting on this web site so please bear with me. I

have an 8 year old girl with chronic OCD. She is on zoloft at the time -

trying to switch due to crying all the time - not sure what to do. The

doctor wants to put her on Luvox instead or add Adderal to the Zoloft.

I want her to learn some coping skills because I am fearful of meds.

She is changing clothes frequently, washing hands, wearing layers

to " shed " , having rituals due to " perhaps someone will die if I don't "

etc. She was doing pretty good on the Zoloft for about 8 months then

the crying started. She will ask me don't give me a whole pill it makes

me cry. Then when the OCD creeps up, she will say, " Mom, I need a whole

pill! " . I am struggling to find a therapist that works with ERP

therapy. Most want to use " play therapy " or " talk " . Talking is working

better for her when they give her a strategy, but I feel she is " giving

up " . My insurance is not covering " mental illness " but it covers all

this " counseling " so if I try to find a specialist - no luck.

Any ideas on what to do?

Thanks so much, jvoch@...