Ok now what...

Want to hear a catch 22? My insurance pays only 50% of mental health costs, which would end up being 125$ first visit. The I call Comprehensive Care, a local mental health agency. Because I have insurance, they will not scale the fee and I must pay 162$ before I can see a psychiatrist. Here is the rub: my ordinary doctor insists that I get a psychiatrist, because they have run out of meds to give me. I have quit reacting to my favorite medicine, and she wants me to see a specialist. Makes sense. However, if this were a fucking cardiologist, Id be paying 10 bucks. But NO, this is psych and I have to pay everything. I am stuck. If I don't figure out something soon I'm going to self destruct. Depression is just as dangerous as a heart attack untreated. So what the hell am I supposed to do !!!!!!