Is it possible to use insurance for T but sliding scale for say another mental health worker? I ask because my deductible is high and I have only been able to budget T for every other week, but she says I need meds but can't script. So I have to go somewhere else. I can't afford a lot due to paying 2/3 of my pay going to student loans( I am one if the few who does try to pay). My loans are suffocating. They are private so they never disappear and I can't get income based. They work with me some allowing me to pay interest only, but I don't make a lot of money.

The cost of everything is going up and there are no raises. I don't even get promoted when I am the best applicant since I'm not a straight white man.