Wow...puts my problems in perspective. I have insurance with a network of providers. However, there is no "out-of-network" coverage, so I am stuck with two psych clinics, both not seeing patients until late November. I did luck out in that the insurance has tele-psychiatry available. I was able to meet with a psychiatrist, but he does not contract with my insurance except through tele-psychiatry. I am not sure how someone in crisis would navigate these horrible systems.