You didn't say where you live, but my sister doesn't have coverage either, had a really bad period not too long ago and had a lot of friends trying to source help for her.
She ended up going to the Center for Group Counseling in West Boca. If I remember correctly, their group sessions were free and those with an analyst were only $15 or something.
I'll also second the moms who suggested your church if you've one that you are comfortable with.
Also, I don't know anything about its quality of effectiveness, but Florida has a 211 (toll free emergency service) that hooks you up with people if you're at the breaking point. It *supposedly* is staffed with people trained in crises management, who will talk you out of whatever state you seem to be in, figure out what, exactly it is that you need, and then get you connected with that agency or organization. It's supposed to be for people who are suicidal or about to cause harm to themselves or others, but I'm sure that they're equipped for non-emergencies as well. They may be worth a quick call (if for no other reason than to see how well the system is working.
-Scott (Husband to S. and father to Mattie and Mitch)