While most ‘regular’ policies allow you to choose your medical provider(s), the cheaper options limit the choice of doctors to those designated by the insurance company, or require you to call a telephone service to get a referral to a doctor or hospital. People from certain insurance companies can also find family doctors through so-called 'family doctor model' arrangements, where GPs will take on new patients if they share the same health insurance provider. While this can help even if the doctor is not taking on new patients, Swiss comparison site Comparis notes that being a part of one of these arrangements can make it harder to find doctors who are not affiliated with the same insurance company.