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.