if you pay in cash he will gladly take the $80 as his staff doesn't have to fight the insurance company for it for it
Why would you think that?
If the bill says $120, you're on the hook for $120 w/o insurance.
Plus, my last doctor was a lady woman.
pro tip
negotiate a cash fee ahead of time
I have done this, it is a real thing.
I don't know if ALL doctors have a separate cash schedule, but many do, it pays to ask.
Probably some good 'ol boy doctors do it, and they'd rather have cash-in-hand than an IOU. On the flipside, I've had to write collections letters to specialty drug patients whose insurance lapsed for $60,000.