The thing that gets me is that I am in an area of the country where it is difficult to find a doc that will take cash. I can understand not wanting to take Obamacare, but why refuse cash?
A primary care doc might take cash, but ob/gyns and surgeons will often refuse it due to the liability you are taking on with a cash patient. If there is a complication and the patient needs another specialist or another surgery for the complication it can get very messy. (same thing can happen with Medicaid as there are some Medicaid plans which do not have certain specialists on them.