Need some help with this query or some ideas for change it to better model
It's not a good idea to encode access rules in text fields.  Even more generally, it violates normal form to encode anything in any field.

Instead, create a new table:

ServiceAllowedUserTypes(
    service_id int foreign key references service,
    user_type int);


If there's a row for the service's id and the user's type, then the user is allowed to order that service.