Hi gjf, no you are paying too much for someone who is unemployed and there are two things you can do for this.
One, while you are on unemployement you can contact unemployment and request temporary insurance until you are again employed. You absolutely should not be paying such high co pays and unemployment insurance will remedy this.
I also think you should contact, NAMI, in california (you can look up the national website and plug in your location in California for local contact)
The last thing you need while unemployed is a finanical barrier to your mental health.
Please call your local unemployment office on Monday. This is a federal law and not a state of California issue, and also get in touch with NAMI as well
I am sending you the link.
You should not be paying co pays and you are entitled to mental health services for free or at sliding scale fees, not at a hardship to you.
I am sorry you were not told this and I think you need more compassionate care than that you are currently getting.
Contact NAMI at www.nami.org
You have all my best on this. I wish you relief soon.