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adverse selection analysis ANOVA coinsurance copayment corrected for intrafamily cost-sharing defined by procedure diagnoses assigned Diseases effects equation estimates Family Pay family therapy fee-for fee-for-service coverage fee-for-service participants Fee-for-Service Users Users formally trained mental Free Fee-for-Service plan GHC and fee-for-service GHC Controls GHC Experimental GHC Fee-for-Service Users GHC participants GHC plans GHCE Group Health Cooperative HICDA-2 HMOs and fee-for-service identified by mental imputed expenditure Individual Deductible plan insurance plan Major affective disorders medical providers mental health diagnoses mental health expenses mental health procedure mental health services mental health specialists mental health status mental health visits modal neurosis nonmental health diagnosis number of visits outpatient mental health percent of users probit procedure or diagnosis provider for mental psychiatrists psychotherapy psychotropic drug sample Seattle area services in HMOs standard errors statistically Table trained mental health two-part model users of mental variables visit a mental VISITED BY USERS visits per user