What you are up against paying out of pocket is that the doctor does not have to limit the charge to what the insurance company allows, and can bill a full customary charge.
Unfortunately, some doctors take advantage of this.
One option then, is to call other family doctors, tell their office the situation, and negotiate the price.
For that you need a reliable list.
Here is one
OPTION 2. Call the health department and find out where the neighborhood clinics are. These will be on a sliding scale and you will pay based on your financial situation. That only helps you if you do not make a lot of money. But, fees are also more controlled.
OPTION 3. Call any teaching hospital and ask to be directed to their medical clinic. Enroll. This will also, like the neighborhood clinic, get controlled rates and sliding scale fees.
OK, so let me know if you have further questions.
Also, please click a positive rating on the rating scale. In fact, a 5 rating squares me with just answer and allows me to provide prompt and accurate service to you, but does not increase your cost. And, I will be here for any follow up needed.