no flames or anything in regards to others comments.  also, there is a reason why these pills are out there... however, i do have to agree that it's been overly prescribed to people these days, especially kids.
now, back to the subject, if you are extremely depressed which is affecting your life, people around you, work, etc, and you are unable to resolve the issue on your own (such as trying herbal remedies, spiritual stuff, sports, weights, etc.) then you should see a doctor.  Granted some are out there to make a buck, however, your normal family doctor who's known you for a few years should be able to help you out.  If you are concerned with insurance, then pay cash for the generics and leave your insurance alone.  
now, not to rag on the people who doesn't take anti-depressants and perhaps may be stronger to handle it on their own.  i started taking it because of stress from work...  130 hour weeks isn't exactly fun being a system engineer.  this doesn't include travel and flying time either.  now, to put up with the people at work, i've decided to drop a few prozac daily to keep me sane which have helped me tremedously.  miracle drug or not, i plan on taking it for the rest of my life because i like it.  perhaps it's a dependancy...  but guys, aren't you taking some kind of drugs one way or another?  "say, gears?!?"
 
