Ink - I know your insurance has run out. Is it possible for you to see someone at your county mental health clinic? They usually see people on a sliding scale, very cheap if you're broke. Have you tried looking into that? Or try your local National Mental Health Assoc. Office?
http://www.nmha.org/affiliates/directory/index.cfm
Maybe they can refer you somewhere else with a sliding scale which slides down really really low. If you tell them about the issue about your children, that would give you some priority for services.
Thinking on you girl!
Emmy
"Language is a Trojan horse by which the universe gets into the mind. ." -- Hugh Kenner