Please pardon me if this is tangential (I'm taking the above as your comment, not the woman's comment) but if you have no applicable insurance and go in to a doctor's office and have to pay retail, how do you go about getting this "cash" discount when the bookkeeper isn't there and they just send you a bill? I've seen insurance benefit statements and they have tremendous leverage upon providers, sometimes getting them to settle for maybe a third of their retail prices.
I pay cash on the day of services. Discount 60%. No bill sent to my home. All offices I’ve ever been to are able to take my payment that day. General practitioner, hospital, even the surgery center was able to take my payment that day.