I have been struggling with depression for about 3 years now, and it sucks. It also sucks to hear that your prescription won't be covered. Is there any way to fight it? Some medications have dual purposes, is there any way your doctor could "tweak" your diagnoses so your provider will cover it?
If that doesn't work, I personally partake in cognitive therapy. Perhaps it could help you at least a little? Sometimes I will just fall into a emotional trough for days or longer. After a while, I try and reason. It's hard, because being depressed makes it harder to think positively (some people think we are just negative, but our brain chemistry literally makes us perceive differently). When I'm riding a bad wave, I try and think about the good things that are happening, whether to myself or others.
I was taught to sit back and think, "okay, mwar, It's not that bad, really. It sure seems like it, but what do I have? I have my health/pet/years of life/friends/favorite thing to do/etc" and try to think of a bigger picture. Even little things, like "My allergies weren't bad today," or "it was a nice day out" helps give a bit of perspective, even when all I want to do is lay in bed and hide.
Other things that have helped me: own a plant if you don't have one. They help reduce anxiety. An animal, if possible, can also help with depression. Plants help me a lot. Especially starting from a small plant.
What do you like to do? Do you like to write? Is there a way you like to express your feelings through a medium? I have taken up painting. I suck, but it helps me calm down. I also write poetry. It might be graphic and gory, but throwing it on the page almost exorcises it from me.
I take melatonin to help me sleep. Regular sleep cycles improve mood. Healthy eating also helps. Going on short walks, exercise, or yoga releases endorphins to help out.
Additionally, you can see if there are sliding scale counselors in your area. Some can cost as little as 20 dollars a visit. It might be a lot, but even going once every other week, if possible, can help. They can give you tools to help you out.
I hope this helps. Feel free to message me if you'd like.