Is it legal for insurance companies to not have a policy for therapy? My insurance company droped mental health so I cannot go to a theapist unless I want to go more into debt then I already am. It really makes me mad, because I want to talk to someone but I don't have the money to do so. I really think that a terapist could help me. I know I could go to a regular dr. and they could prescribe me antidepressents but I don't want medication unless necesary. The last time I wan on antisepressents (for stress when I was 16) I got so depressed I started cutting and then stopped taking the meds because I read up on them and realizes the Dr. shouldn't have even given me them in the first place. Needless to say after I stopped taking them my depression got better. I was still stressed still had headaches but I was a little happier enough to not want to cut anymore. Just is there any way around this? Is there any ways for me to see a therapist without selling an organ?