I had a few sessions covered by my university's insurance plan. However, I found out I had one left between my psychiatrist and psychologist for the next several months. I would have to start paying (half or less the regular cost, but financially we're not doing so good). Anyway, my psychologist told me that the last covered session wouldn't be our last. In fact, she saw me for free so we could wrap up and figure out what I would do (I am now seeing a therapist for less than $10 per session). I hadn't seen her for that long either (an appointment less than once a month for less than a year).

In short, as lizardlady said, I think a free or reduced rate session should have been offered. Maybe not a full session, maybe less than half an hour, but at least time to wrap things up and see what options you have.