I totally get that it's not always all that possible. I was fortunate at the time to have insurance through (now) ex. But now I am in much different position (no insurance, no work, no regular doctor, no dentist... you get the picture) and another possibility I'd like to mention is PMHNPs (Psychiatric and Mental Health Nurse Practioners). They not only can prescribe meds, they also do therapy. And specialized training in their schooling specialization. Psych stuff! Since this is their specialization, what sorts of advancements are they going to keep up with? Psych stuff. To me it is a 'two-fer'. Being able to do both meds and therapy through one person is very nice, not to mention less expensive.