This is a great New York Times article looking at how to approach mental health care when you can't even really keep up with your regular bills. The lede:
IMAGINE this situation. You fall into a deep malaise. Friends say you need help, but you don’t have insurance (or the insurance you do have has very limited mental health benefits), and you worry that extra bills will only add to your malaise. So you do nothing.
And that’s what many people do. According to a recent survey by the federal Substance Abuse and Mental Health Services Administration (Samhsa, pronounced SAM-suh) , the leading reason that people with mental health issues don’t seek treatment is cost. They fear the fees.
It doesn't have to be that way, though. You can take a variety of free and low-cost steps to improve your mental health -- making one small change in your routine per week, joining a support group, joining an online group, and so on. And if you still need help, the article suggests a number of mental health care options, from seeking out providers with sliding fee scales, school psychologists, crisis hotlines, and the likes.
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