Maybe you have already tried this, but does your insurance company have a website that shows providers? That might show who is available AND takes your insurance.

For the nightmares---For me, reading fiction or watching a movie before bed really affects what I dream about. If you can read about something interesting and pleasant it may affect the tone of your dreams.

I found this…basic but good core advice
How to Stop Having Nightmares: 14 Steps (with Pictures) - wikiHow

I don't know if you have ever read about lucid dreaming but it is interesting. I have only been aware of dreaming-while-dreaming a couple of times. It is hard to do though but it was amazing when it worked. You have control over your dreams and they feel real, in a good way.

World of Lucid Dreaming: Learn How to Control Your Dreams