There's nothing "crazy" about Dysthymic Disorder, Hopefull. It's a problem that a lot of peope have. I think it's great that you're seeking help. No one is going to force you to take an anti-depressant against your will. As for your insurance company...why would you care what they thought of you? They have so many customers that they probably care very little about you personally. (That probably sounds a little harsh, but it's true, so you can draw some comfort from that.)