i do have insurance through my work place. it is paying 80% on everything. i have disability too, but of course there is always a way for them to get out of paying. they were requiring me to have 20hrs. a week in therapy and yet i'm not working at the moment so i could i pay plus have to keep the kids, etc. my insurance would have paid my psycholigist,but no he needed money up front. so that was out. today is wed. the 8th. i go back to my psyc on friday and see what we can figure out to do. i do know one thing can't afford much more. my have to deal on my own. which may be best anyway. thanx for all your input, it really helps. i've never tried zoloft. yes i do have to have the tiniest dose.