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Sorry, its not exactly free like I described. When you are seeing experts (and when you really need second consult) you get back a small part of your money, but expert costs are high enough to deter most people from getting second opinion. But, no it is not a lot of hassle/paperwork for seeking second opinion.

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I find it is about the right cost (location depending)

I've been seeing a specialist for six years under this system, and he has had to close his books for the past two years

There are genuine shortages for a lot of specialists - they personally seem very over worked to me (well paid though)

If a disease is as extreme as the OP though I'm sure the ~$400 max isn't a life altering barrier to entry to a second opinion though

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