If you are on your current medication for last 3 years and if you feel there is no significant improvement, then a change of medicine or addition of 'augmenting agent' (medicined used to enhance the effect of primary medicine) can be tried. Discuss this with your psychiatrist
Lack of motivation can be a problem (as you mentioned), but at some point of time, it becomes necessary to force yourself into doing something productive. Even a minor change like playing some game or physical exercise can help you in the long run.
Regarding the cost factor, you can try consulting psychiatrist for a single time and then follow up with your GP as usual. You should understand that there is no replacement for consultation in person. All the best.