A 24-year-old woman's family now faces more than $1 million in medical debt after she received specialized psychiatric treatment for complex obsessive-compulsive disorder at a facility that did not accept insurance coverage.

The family made the decision to keep their daughter in the specialized mental health care facility despite knowing it would not be covered by their insurance plan. According to the family, they initially hoped to negotiate a coverage arrangement with their insurer but were unsuccessful in securing payment for the treatment.

The parents stated they believed their daughter would die without the specialized psychiatric program. After years of unsuccessful treatments elsewhere, the facility's approach reportedly proved effective in helping the young woman manage her complex OCD symptoms.

The case highlights ongoing challenges families face when seeking mental health care, particularly for complex conditions that may require specialized treatment programs. Many such facilities operate outside traditional insurance networks, leaving families to navigate significant financial burdens when standard treatments prove ineffective.

The story is part of NBC News' series examining mental health care costs and insurance coverage gaps in the United States healthcare system.