Thanks for all the replies. I just got off the phone with another physician's office who will allow me to pay cash, credit, or check to come in and have the physical done. They said that they would even try to charge the insurance first, see if they can get some extras covered, and then bill me for the remaining balance.
I also told them about the other physician not accepting cash or credit and the woman in the office told me she's received several new patients because of that particular office and their billing policies. She's uncertain why they choose to operate the way they do. The only people she's allowed to turn away is those without any insurance. She refers them to the ER.
So, who knows? Perhaps just one office and the way they choose to do business. It's sounds like the other local physicians are benefiting from their strict billing policies and be handed their clients.
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