I can identify with your situation - especially that feeling of being overwhelmed by everything seeming to come together at the same time. At some point, you just burn out & become less efficient at dealing with life's seemingly endless stream of curve-balls.

Try to think of it less as 'failing' and more of being dealt some very challenging circumstances. If you can, try to find out if there are local/state resources that may be able to help. Your local NAMI branch may be able to point you towards local resources to help deal with anxiety/insurance issues.