Specialized therapy for OCD (which is the only kind that works) is not always covered by every medical insurance, and some therapists might not take a particular insurance.
The reason why one needs an OCD specialist is because they hone right into the OCD and not your life story and talk therapy. They teach patients 'cognitive behavioral' methods that work, even without needing to take medication. Of course, a person might decide to take a medication to be able to do the technique with less anxiety at the start. That's a personal matter.
The point is, we need to learn how to fight back OCD. I was taught to view Obsessive Compulsive Disorder as a bully and treat it as such. This technique was taught to me by Dr. Steven Brodsky in NYC. I was fortunate to have been able to see him, even though my insurance plan did not cover sessions at that time. However, now Dr. Brodsky takes my plan. Check his web site at: www.ocdhotline.com He also does phone sessions if you have no qualified therapist nearby. See if he takes your medical plan.
And if that is not an option, please order a copy of my book, Confronting The Bully of OCD. It's discounted now on Amazon.com
Wishing you a calm OCD-free day.