You may be able to qualify for Medicaid as was suggested before.
Your current plan sounds like one that will be dropped next year since it does not meet new federal requirements. You are no longer bound to one plan, and the plan you are on is not the type a trans person would need... or a parent. There are a ton of plans out there that cover emergency services.
Really, take a look and consider contacting your current insurance provider to see what else they offer.
Many of us here have been suicidal. I have. I know the questions those hotlines ask by heart now. They are trained to go through a checklist and then offer to call an ambulance for you. It can help in some cases, but it is not foolproof.
Really, though, you understand BPD, schitzophrenia and dysphoria first hand, treatment for dysphoria is actually more reliable than current treatments for the other two conditions. Take the steps to help yourself. You will be amazed at how different it will make your outlook.
I can't figure out the path back to my suicidal depression, and I was there six months ago. HRT does work. But to get to where I am today, I had to do a bunch if research, and change my insurance plan to something I could afford. It is possible. It helps to work towards a positive outcome.
Please, do not be a stranger. We are here for you.
Aloha
Tori