“…Lack of personal efficacy, concerns over the burden of administrative procedures, and mistrust of service providers, have all been found to lead to lower utilization rates (Richman and Stagner, 1986). Preg-nancy or child care responsibility can affect utilization of substance and mental health services because women may not seek treatment for fear of losing custody of their children or because arranging child care is difficult (Bass and Jackson, 1997;Comfort, Loverro, and Kaltenbach, 2000;Howell and Chasnoff, 1999;Nelson-Zlupko, Kauffman, and Dore, 1995;Wobie et al, 1997). Finally, costs associated with treatment and lack of insurance coverage may also reduce mental health service utilization rates (Derr, Hill, and Pavetti, 2000;Melfi, Croghan, and Hanna, 1999;SAMHSA, 1999).…”