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Re: How miserable before you reconsider your situation or seek professional help?
Of course. My dream is to have my own business doing it. It would take me a few years, longer than I have to bargain with, but I would be amazing at it. Sadly, "downtime" begins at midnight between work, home, and kids' demands (they're both in diapers). I'm an older mom with a chronic health issue, and that's not much time.
The bright part is of course, that unless I can get a therapist to lie and diagnose me with some severe mental illness (of the nature that would give someone grounds to try and take my kids, when I've been that X person would be better or Y person deserves them more) my insurance won't pay for therapy. And I can't afford out of pocket. God bless the USA.
Another poster mentioned an employee assistance program through work. I just called mine and they'll pay for 6 sessions with a therapist. See if that's an option for you. Otherwise, it's about $100 an hour where I live for a private practice MS. Sometimes they'll offer a cash discount if you don't have insurance to cover it.
You could also try a community mental health center (less expensive). I know they can seem sketchy but I guarantee the counselors are not. Not sure why you think you'd have to be diagnosed as completely crazy to get your insurance to cover it. Usually, you just need an actual diagnosis. Overshare here, but I was having some issues with anxiety (nothing major) but my counselor just needed a DSM diagnosis for billing and coding. I was diagnosed with panic disorder NOS (big whoop!) and it was completely covered.
Even if you have to pay some out of pocket, your sanity is worth a lot IMO.
I came to that conclusion, because that's what two patient advocates and a customer service rep at my insurance company told me. Except I didn't say "completely crazy", but they won't pay unless there is a serious diagnosis like schizophrenia, bi-polar, suicide attempt, etc. I was warned that a social worker would be called in case of that diagnosis, which I can't afford. I don't mean to be snarky, but that isn't something I pulled out of my butt.
We don't have EAP at my company.
And see my other post - I'm earning in the 5 figures, with considerable room to grow and still be in the 5 figures. 2 kids in daycare. I'd have to put OOP treatment on a credit card.
That seems so strange to me. It's like they are threatening you so they don't have to pay. So you have to have a very serious mental illness before they'll pay for treatment and if you do, they're going to call a social worker to monitor you? That's crap and I'm sorry you're in this situation.
Primary care physicians diagnose and treat depression all the time. OBs diagnose and treat PPD. Do you have access to either of those?