With a diagnosis of OCD, you are legally entitled to the in-network rate coverage from your insurance for a specialist in OCD. The laws that govern health insurance are written to make sure patients can access the care they need, relatively close to home, and have costs for these services covered by the insurance product for which the patient/consumer is paying. A person with OCD has a right to see an OCD specialist for psychotherapy in the same way a cancer patient has a right to see an oncologist. If there is no oncologist within a certain radius of a patient who is in-network, the insurance company is obligated to cover an out-of-network provider who is able to provide the necessary care. The same is true for OCD.