what they're going to do is easy. how to pay for it is a different beast. if you have insurance, the doctors already bill the company more than if you pay cash....at least the ones i've been to. i know when i didn't have insurance, my doctor was very open to lowering the price considerably and also giving you free meds. that for $48/visit. all i had to do was explain the situation and that was his offer. i think that is very reasonable and more people should at least ask. of course i'm only talking common ailments.