“-— My Mom is on Medicare so when she goes to our doctor its $175.00 when I go to the same doctor and pay cash its $40.00 -—”
Medicare has what they call Medicare approved payment the Dr bills $175, Medicare then pays the Dr. about $70 this is the approved amount. Your mother will only co-pay 20% of the approved amount which is $14.00. Your mother gets an EOB (Explanation of Benefits) statement from Medicare every 3 months, read those and you will see what I am talking about.
Which is why many doctors decline to accept Medicare patients.