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The reason doctors charge more for patients with insurance is that it costs doctors a lot to file all that paperwork to try to get money out of your insurance company. They often get paid way after they take care of you.
With cash patients, the doctor has much lower administrative costs and gets the money immediately. (Time value of money <-- look it up)
Patients with insurance do NOT subsidize cash patients. Patients with insurance subsidize wealthy insurers.
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