This study focuses on mental health problems and compares the associat
ion of demographic and socioeconomic factors to the use of mental heal
th specialty care and general medical care in the United States and th
e Canadian province, Ontario. It also examines how lack of insurance c
overage in the United States and perceived need for care affects diffe
rences between the two countries. We employ a cross-sectional study de
sign using the 1990 U.S. National Comorbidity Survey and the 1990 Ment
al Health Supplement to the Ontario Health Survey. Overall, 8.8% of Am
ericans report one or more visits to the health sector for a mental he
alth problem, compared to 6.9% of Canadians in Ontario. Americans with
the highest incomes and no mental morbidity are much more likely to r
eceive services than their Canadian counterparts. By contrast, America
ns with the lowest incomes and high morbidity are much less likely to
receive services for mental health problems than a similar group of Ca
nadians. These results suggest that universal and comprehensive covera
ge, as exists in Ontario, does not necessarily lead to increased use o
f services with low value. However, the greater prevalence of perceive
d need for care among Americans with higher socioeconomic status and l
ow mental morbidity suggests that the United States should be cautious
in drawing lessons from other countries.