Check with insurance
If you are employed and you do have medical insurance, this is the first thing you should do. Check with your insurance provider to find out exactly what is covered. If your insurance pays for mental health visits, then this is something you should consider.
Consider unemployment insurance
If you are unemployed you may want to consider getting a temporary insurance policy designed for those who currently don't have jobs. Make sure the policy has mental health benefits and that you understand the ins and outs of the policy before you commit.
Consider taking calming herbs
If you are feeling stressed about the economy, use herbs to try to prevent your mental health situation from deteriorating. Having trouble sleeping at night? Does your nervous system feel frazzled? Gentle herbs like chamomile, stinging nettle and oatstraw can really help calm your nervous system.
These herbs are gentle enough to take each day in the form of a tea. Just don't take nettle if you're taking medication to thin the blood like Coumadin; the vitamin K content in nettle causes blood clots.
If you do need someone to talk to about your mental health, consider making an appointment with a counselor rather than a full-fledged psychologist. Counselors are highly trained and may be able to help you work out what's bothering you without your having to pay out of pocket for an expensive psychologist.
Get financial help
Chances are, a lot of your stress is caused by concern about money. If this is the case, you might want to consider getting financial help. If you're unemployed you may be eligible to collect unemployment benefits, for example. Also, take advantage of any other government programs you might be eligible for such as disability or food stamps (see Resources below for some links to financial help options).
Check with the state
What kinds of unemployment benefits are you actually entitled to? Some states may allow you to get counseling or offer some kind of mental health support. Determine what kinds of options are available if you are unemployed.
Tips and Warnings
To get through it, we need to make sure our mental health is where it should be. But what if it isn't? What if we need to see an expert for depression, counseling, anxiety, or anything of that nature? How will it be paid for?
The good news is that there are options. Here are some ideas.