You said you are a student, does your school/university offer counseling services? Oftentimes universities offer free or low cost therapy. Some are short term but if this is the case they should be able to refer you elsewhere.
You could call the insurance company and ask for their policy for mental health coverage and a list of in network or covered providers. I am not very familiar with insurance though and don't know if it would show up on some sort of statement or anything that your parents would see. Good luck!