If you are uninsured ("self-pay"), Doctors and Hospitals require immediate payment or a large deposit at the time of service. They get paid.
If you remember to ask for the cash discount, you may find that it is 50%-60% off the "list price". But you have to ask for it, or you won't get it.
Insurance companies commonly pay providers 40%-50% of "list price". You should get the same deal.
The entire "health insurance" system is a scam that shifts costs to the unwary. Insurance companies are the direct cause of higher medical costs. Gullible people who think they will get "free medical care" drive this system.
Emergency services are the one area where most of the uninsured do not pay their bills. By law, Hospitals cannot refuse emergency services. The ER is filled with indigents who use the ER for their primary medical needs and never pay. Hospitals make up for their losses by cost-shifting to people who do pay.
See #26.