It seems like every location has different options available.
In my case, my shop is behind the house, about 300 ft from the road and power line. It has always had it's own meter as it was built before the house. It was wired with a main panel with one 100amp breaker that fed a nearby panel with the individual circuits.
It had been there since 1967. One morning I found no power due to the main breaker had failed. Since I had a good 3ph panel from an auction purchase, loaded with breakers available, I asked the local electric supplier if I could get 3 ph.
The answer was yes! I then went to the permits offices and got a permit to self-install the panel. Then picked up a new meter base.
Our local utility is operated by the city. The meter base is supplied at no cost, I did the install, got it inspected, city guys pulled the additional wire from the street and installed an additional transformer and connected at the weather-head.
Total cost to me: permit $25, used panel w/breakers $25, wire from meter to weather-head, about $50.
No added monthly cost, beyond usage, as I can now run more machines!
The moral: Check with the local utility, you may get as lucky as I did.