I'm 51 and right there with you! Can't sleep, well, you know, can't sleep when I'm horizontal. I can't keep my eyes open if I'm sitting up. Moody, strange periods. I ahven't even bothered going to a doctor because I distrust the system so much due to past experiences I on't have the energy to get into here.
Your doctor's "policy" is, well, let's just call it what it is, it's, 'fuck you, I'm going to bill the shit outta this before I give you a referral."
I'm Canadian, I can get a referral for free. I'll wait a year to see anyone, but I guess you will too. Wow.
I waited anxiously for the factory to close, so to speak. I looked forward to it. Now that it's in a slow shut down, I think, I'm not sure I'm ready.