I understand how your feeling. My insurance failed me as well time and time again. The good news is that all counties offer mental health services the residents of the county in which they live. My suggestion is to call your local social services department and ask for the number of their mental health services. I tried going through my Primary Doc for a referral only to find that I was looking at a 2-3 month wait. Through the county I only had to wait about 4 weeks. It's unfortunate that they feel that mental health can wait weeks and months. Please hand in there for the children and I hope my suggestion helps. Take care.