Here's another thought: with the Mental Health Parity laws now in place in many states, it may be possible to get insurance coverage after all. It won't be easy, if it's possible, because it's not in their interest to cover you, but it's still worth trying.

See if your therapist and/or doctor can appeal the cut off, saying that the treatment is medically necessary for you. The insurance company is likely to say no the first time, and if you continue the pressure -- hard as it is when you're already not up to par -- they very well may choose to change the decision after the second or third appeal.

Similar to the way they handle things like cancer treatment, I'm afraid. The health insurance business model is not about patient care, which we should all keep in mind come this election.