This article, published in Community Mental Health Journal in 1992 discusses three major aspects of the fragmented mental health financing system and suggests studies which will shed light on system improvements and lead towards reform. 

Cutler, D. L., Bigelow, D., & McFarland, B. (1992).The cost of fragmented mental health financing: is it worth it? Community Mental Health Journal, 28(2), 121-33. DOI: 10.1007/BF00754279. http://www.springerlink.com/content/k203t2u706w552w6/

Authors: David L. Cutler, Douglas Bigelow, Bentson McFarland