To those without insurance/with crappy mental health coverage:

You can contact local hospitals and you can see if you can see the resident MD's based on a sliding scale. That's what I do currently. In fact, one of the members here on PC gave me the phone number of where I currently see my T. My T is a student, but she is supervised by a licensed psychologist. It's working out so far. Something to think about. BTW, I don't have insurance.

Also, you can go on http://findahealthcenter.hrsa.gov/Search_HCC.aspx. This is the "find a health center" link on the U.S. Department of Health and Human Services website. You can search using your address, state or county to find a local health center where you can pay via sliding scale. And yes, they offer mental health as well. Be prepared for waiting lists.