As bad as the shape of the medical care in the US, I am glad we don't have national health care. Its bad enough an insurance company telling us what they will cover and then cutting fees of our providers but at least I have the opportunity to make choices and still have some level of coverage.
Can you continue to see you t outside the system?

But without thinking about all that, you are in a different place now then you will be later. And later is not now, so try to stay in the present and get as much as you can out of it.
I look back to where I was when my depression first hit and where I am now. I am no where near well enough to stop therapy but I have come so far.

To soothe your worries you should bring this up to your t; he/she may be able to explain the process and your options once its time.

I fear having to come off my meds - which will be years in the future and I have mentioned this to my pdoc. She took me through the process and while I'm not completely comfortable with it I understand it and that helps.

But in the end, just remember to breathe!