Because your insurance company doesn't have a facility that does ECT treatment (which I am assuming is covered by your insurance), it may be they will have to find a way to cover the treatment at the out-of-network facility with the in network benefits. I'd be getting on the phone with your employer's (I"m assuming your insurance is through work) liason for the insurance company and get them to fight to get the ECT covered. If this if private insurance, I'm not sure what the protocol is for fighting these kind of issues, but there may be one. We've come up against similar problems with doctors/hospitals for my husbands' medical issues, but because our insurance is through our employer, they have always gone to battle for us and found a way to work it out with insurance making special arrangements as we had no in network options.

Ugh. So frustrating to run in to so many barriers to getting help. I am so sorry this is so difficult.