After coming to terms with the presence of OCD in a child, no parent wants to deal with the uncertainty of how to pay for his treatment. Unfortunately, given the chaotic state of America's healthcare system, with 45 percent of the population uninsured and many of those with insurance lacking adequate mental health coverage, this area may be another hard one for you to tackle. It helps to know three things: your rights under the law, the fine print in your health insurance policy, and the state of your local public health system.