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When it gets in the way of your life. Not all people who seek help need medication. Medication is a means to an end for those who have a clinical diagnosis.
In a lot of instances just talking to a therapist for awhile and getting advice on proven anxiety and stress reduction methods will work.
Many insurers will cover some or all of psychologists and psychiatrists.
Also, stay away from alcohol and cafeine when you feel problems and try to exercise. Working out builds endorphins which create a natural high and also raise seratonin levels which helps eliminate the depressive feelings.
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