Between my son and I, I've paid so much for out-of-network psychotherapy and psychiatry in the past year that I stopped paying for my own in May, I even have insurance, so I hear you. My son has to have it though; without meds he has no connection with reality.

The free help I referred to was from a psychiatrist and therapist both with PHDs who helped him a while back. It's definitely for challenging, if not life threatening mental issues. Ping local people in your area if you haven't yet, maybe even on this forum, you might find qualified help for no cost. Worth a shot right?