If you’ve seen your primary care provider within the past several years, you’ve probably received at least one referral to a specialist doctor—a physician with advanced education and training in a specific area of medicine. (According to a 2012 Archives of Internal Medicine report, the likelihood that a doctor’s visit led to a referral to another doctor increased by 94 percent between 1999 and 2009.)

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Usually, the reason your PCP suggests that you see a specialist is a good one: You have a problem that would benefit from such expert care.

But in some cases, there may be other reasons­—because your PCP is so time-pressured, for example.

And you don’t want to have more healthcare providers on your team than necessary—the more doctors you see, the more tests and procedures you’re likely to undergo and the higher your out-of-pocket costs.

So how do you know when you really need to see a specialist? Here, three instances:

You’re Not Seeing a Solution

If you’re experiencing health problems and feel that your PCP just isn’t getting to the bottom of them, it may be time for a specialist—especially if you have a constellation of symptoms that don’t seem to make sense to your doctor.

The same holds true if you don’t feel better after trying a treatment that your PCP had expected to work well or if you’ve read about treatments with which your PCP is not familiar. 

After a Life-Changing Diagnosis

Some conditions create the need for significant life changes. For example, if you’re told you have rheumatoid arthritis, your doctor may recommend powerful biologic medications, such as etanercept (Enbrel), which have the potential for serious side effects including severe immune reactions. Or if you’re diagnosed with diabetes, you may need drugs like insulin, which call for close monitoring by a doctor.

Parkinson’s disease or a stroke may require you to make physical changes to your home to accommodate your physical needs over time or significant adjustments to activities such as work and driving.

Before you make permanent changes in your life, ask your doctor to refer you to a specialist, who can be sure you’ve gotten the right diagnosis and tell you whether other treatment options are available.

For a Complex Chronic Condition

Though many PCPs are skilled at managing lifelong conditions including diabetes, people with some chronic diseases, notably those who need frequent adjustments in treatment or have flare-ups or health crises that require a doctor’s very close attention, are best served by specialists who have been expressly trained to treat them.

These include people with disorders such as cardiomyopathy (a heart muscle disease), pulmonary hypertension (high blood pressure that affects both heart and lung arteries), and frequent seizures. Specialists are required to stay up to date in their particular fields with activities such as continuing medical education.