When I go to add a picture into my text (well, iMessage on the iPad), I press the little camera icon on the left of the text box. I then get an option to take a picture or choose an existing one. If I choose to use an existing one, I am taken to my photo album where I can select any picture I have. I select a picture and its put into the text.
All that to say, I either don't understand your question or I can't duplicate your issue. If the process I describe above isn't happening for you, could you give more of a description of what is or is not happening? Thanks.
Marilyn