Hi again Miss Erika,
There are a number of different solutions that can be used on your tooth depending on the type of damage it's suffered. Only a dentist can determine the most suitable solution but that seems to be a part of the problem; getting to a dentist.
The first thing you need to do is to to put the horse in front of the cart, so to speak. Somehow you have to deal with your phobia in order to make an appointment to see a dentist. Shiva had a great idea to work around her phobia. You might be able to find a similar solution. Or, you can search the internet for a solution. Many dental phobia resources can be found by simply searching on words like "dental phobia", "dental fears" or a similar combination of other key words. It may take a little research but there's a good chance you'll find something to give you some guidance and point you in the right direction.
If you're on medical assistance talk to the agency that takes care of your medical financial needs. If anybody can point you in the right direction concerning dental assistance they should be able to. There are other alternatives that you can consider as well. Depending on where you live you may be able to join a dental discount group. They seem to be popular in the USA these days. If there is a dental school in your area they always offer reduced rates for dental work and they're most likely to diagnose your problems correctly and fix your teeth properly than your average dentist. They're usually well supervised too. Some dentists also offer payment plans if extensive work is needed. Somewhere, there is a financial solution that you can afford.
I hope this has been of some help. Oh ya, one more thing. Please talk to your finacee about this. There's no need to go through this alone when your best source of support is right there next to you. Good luck!