If you are in the US, our government's health care help just stinks!!!!!

I have been able to find counseling at some county-run services and non-profit agencies in several states, including Georgia, Florida, and Louisiana. There usually is a sliding scale copay, that I've found to run $10 to $20. I don't know if it gets lower than that. Check the Yellow Pages under "counseling" and make a few phone calls. I usually find the Yellow Pages more helpful than online resources for such local purposes, but perhaps internet listings are better for some people. For the county services, I think they are listed in the Blue Pages, under County, Department of Health.

If you live in a college town (I mean other than the technical school) that has a master's psychology program, there may be a counseling service run by the Psych Department to give the students experience. Whenever I've needed to find counseling for myself or someone I was assisting, I have always managed to find something affordable. It may not have been with a $200/hour psychiatrist, but I've found the people to be kind, sincere, and dedicated. And it can help to get the scrambled thoughts out and get the input of a neutral listener.

Good luck with this. I hope you'll keep us posted on what develops.