I have heard of low income patients getting the treatment as part of studies and research related to ketamine treatment. There are ongoing research studies for copycat drugs now. One is being conducted by Segal Trials. You can also just google “medical research “ and follow those leads down.
I am a couple steps behind you. I am about to start TMS now, with ketamine, ECT only left to try from there. I refuse to try ECT, so if TMS doesn’t work, ketamine is my last resort. I am hope you find something that works for you.