You can just go to a specialist..However if you show ur 11B on
the 1st visit, you do not pay at all upfront, but yuor allowance
will be deducted a one off ~$70 in the coming month(s)
For subsequent visits, all will be paid for by SAF when u produce
ur 11B..
However do note that you will be considered an A class
non-subsidised patient..so when u ORD le, still go see the
specialist, you will be paying the premium rates..
It's still good to get a referral letter from MO or polyclinic
doctor..