I always pay for my medical care, rather than for health insurance which may or may not cover whatever. I find that some doctors' offices act puzzled by the notion of taking a credit card or check, instead of an insurance card. I don't think I've ever been refused service, although I have come across a doctor or two which wanted pre-pay. I always thought pre-pay was rude, but no big deal to pay 15 minutes or a day or whatever before my appointment vs. 15 minutes after.
Most doctors love not having the extra nonsense with the insurance companies and will give a cash discount. I recommend finding a better doctor.
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