I hear you. I am as poor as a starving artist. That being said....

1) I believe your T and p-doc can get more visits when they tell your insurance company that you are "mentally ill" with certain popular diagnostic labels.

2) If this is not true with your insurance, have you considered a local county mental health clinic. Sliding scale and cheap. And actually, although the providers are "overworked" they are usually very good because they see a variety of mental health problems. Sliding scale is the way to go.

Good luck.