Because a lot of the times, its more important to get the help then to get into debt. Also, it should be easy to find an agency that has some type of grant program that covers a lot of the cost for the uninsured, if not all of it. Im insured, but I still have to pay $30 each week.
Best thing to do is to contact local mental health agencies, tell them your situation, and see if they can help direct you. It is weird to me that you have to keep re-explaining yourself, you should have a patient file for them to read.