For 12 hours a day, the waiting room at Dr. Gustavo Villarreal's Laredo, Texas, family practice is packed with patients who pay a flat $50 fee for the convenience—or necessity—of a walk-in, quick-turn doctor's visit. Villarreal does not accept health insurance. Instead, he has switched to a cash-based model, eschewing the laborious practice of filing out insurance forms in order to get paid.
Doctors shun insurance, offering care for cash
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