Who pays for mental health treatment? What are some of the issues surrounding financing of mental health care?

I have heard that mental health treatment is highly unregulated. Cruel practices such as reparative therapy and electric shock treatment are practiced on patients without evidence to back up their safety and effectiveness. What guidelines exist for mental health treatment? What is allowed, and what is not?

I was once released from hospital because my annual inpatient mental health benifits had been reached. I was still to sick to take care of myself, if it had not been for my sister’s intervention, I would be dead. (Good U.S.A. Health Care)