One of the key differences in medical insurance is the process required to go see a specialist. More expensive insurance often allows individuals to go straight to a specialist. What it the most common way for those without this type of insurance to see a specialist?

A general practitioner will provide a referral.

Specialists are only for those with expensive insurance.

They see a specialist but have to pay more for the service.

They go to the end of the wait list to get in to see specialists.