Oh I'm sorry! I am not familiar with the US healthcare system, if that's where you're from. I find it crazy that so many women can't visit a doctor because they have no insurance! I've read it so many times on here from different women who need help. I hope somehow you get the help you need, or that your system just fixes itself. I don't know about the bleeding though, it's hard to say with a year long cycle. I suggest you start temping and taking opks. Temps help a lot for determining ovulation when you aren't being observed medically.
Also, there are some natural remedies that are supposed to help regulate cycles, such as Vitex and Soy Isoflavones. If you google it, you can look into the different options. Maybe a natural remedy can help you. I'm really sorry that you can't be seen without insurance though