Would it be easier for a first timer to go with a service versus setting up a meeting with an individual provider?
Also, do providers who go through a service provide references?

i personally did start out with an agency..once you have references and a track record..the indies will cum calling..

it might be easier to start with an agency.  If they have several providers that attract you, it would be a good way to stack up some references.  I see no reason why an agency provider would not ref you, although it might come from the agency owner instead of the provider.

I'm not a big fan of agencies because I prefer it when she has more say in who she sees. Agencies are also a much bigger target for LE than a single indie provider is. On the flip side once you are cleared by an agency you are cleared for everyone that works there so if one isn't available someone else will be. As far as references go many indies wont accept them from an agency because they usually come from the agency not from the provider you saw although that varies from place to place and person to person.

much better experience.  Independents don't have the guys lined up on the hour like some agencies do.

That is my main concern and reason #1 why I don't go near agency's any longer. WAY too much risk for me.  

Thanks for the advice
I'm about ready to take the plunge. My reward for having lost 50 lbs

I am considering wearing my more casual belt nexttime because it reaches almost mid back.No one belives I have lost over 50.  Congratulations.