I am sorry this is happening to you, and I agree with everyone that insurance companies are really getting out of control with all of this! I have my insurance through my job, but when my depression started almost 2 years ago, I had to take leave of absence and I couldn't afford the deductible, so I was forced to look elsewhere for psychiatric care. I found a community clinic which charges just a small fee per visit. I think most communities have low cost mental health care available, it just takes some searching. The University has a program for psychiatrists in residency where they see patients and groups for free, but I had already found the other place when the paperwork came for that one, so I didn't try it. I know it is difficult to make a change, but this has really been a blessing for me, not only has my therapy been wonderful but the cost is low enough where I can go as often as I need to ($10/visit). Even if I could have afforded the deductible (which is a SEPARATE deductible from medical...$500 extra), the visits would be at the specialist rate of $40 per visit, which would have meant I couldn't afford to go very often. Good luck with your appeal. I just wanted to give you a couple of alternative ideas in case the insurance company won't help you. (((Hugs))),
It's a jungle out there.....
Theme song from "Monk" by Randy Newman