Oh, I am sorry to hear that:( There is on-line therapy available, it may not be as effective as private, but it is worth a shot. The links are in our Resource Guide.
I also found self-help books to be very helpful, so at least you have some options available even though your insurance let you down.
Sometimes just doing something proactive will give you a feeling of power over the fear.
And of course coming here anytime that you need a virtual hug and support is possible and encouraged:)
Feel better soon,
S.C.