Ever thought about ECT?
Believe it or not, but most people don't realize that it is the safest and most effective solution to depression. It has around a 90 percent success rate at releaving depression compared to around 40 percent with meds and talk therapy.
I currently don't have the brain power to read everything to see if you mention issurance, but you might have a hard time getting it done without insurance. BUT i'd suggest getting in touch with your state's NAMI (National Alliance for Mental Illnes) and seeing what resources there are available to you
www.nami.org and also DBSA (Depression/Bipolar Suport Alliance) at
www.dbsalliance.org.
Never know what might be already in place for people in your situation to get much needed support in your state.
hugs,
and welcome,
jenna