“…Even though progress was made regarding cost containment, quality of care was not emphasized to the extent necessary (McCarthy, Gelber, & Dugger, 1993). As costs in health care increased, so did the number of restrictions placed by insurers on reimbursement for mental health services (Austad, Hunter, & Morgan, 1998;Bilynsky & Vernaglia, 1998;Cooper & Gottlieb, 2000). As a result, providers and consumers expressed concerns about diminishing access to needed services as health care service delivery moved from traditional fee-for-service providers (e.g., consumers purchased insurance from a commercial carrier, paid a deductible, and chose their physician separately; Huber, 1995) to managed care providers (Huff, 2000).…”