Hi Chron_P,
I am pretty sure you can get a free consultation from your doctor, he should point you in the right direction. Our medical service over here (NHS) in the UK is different to anywhere else, I went to see a specialist and had the treatment for free but the waiting list was a joke, anyway thats another story
The products can be quite expensive, I use a combination of things and the cost really does mount up. For example propecia can cost $50 to $60 a month. I use that with Rogaine, it seems to have more of an effect, which a lot of other people have said as well. But propecia on its own is really great.