Your system sounds very good, Tishie. So, England is better, though? One good thing about my health insurance is I don't need referrals to specialists. If I want to see a specialist, I just call one up and make an appointment. I can usually get in pretty quickly. I see several specialists. The family docs are generalists and have a very conservative approach. Sometimes I just get tired of it and want my health problem to be dealt with quickly instead of trying the most conservative approach, getting no results, having to go for follow-up appointment, trying a slightly less conservative approach, getting no results, going for follow-up... They can really wear one down with that cycle. The specialist has more experience and knows what to do to solve the problem quickly. Often I don't think the specialist really costs more than the family doc, because family doc requires 3 appointments or more to do what the specialist does in 1. So sometimes I just skip the family docs altogether unless it is for basic concerns.