I once tried to get some pills at CVS. I was charged something like $500, and asked for my insurance information. When I told them I had no insurance, they told me to go talk to a person a few meters away so that he can help me... I got the pills for $30.
A lot of doctors are willing to cut their rates if you're willing to pay cash for the full amount. It's the paperwork that inflates insurance costs. I'm sure AI will cut through that and make it less a problem though. /s
I am not asserting that it applies in the above instance, but...
In broader medicine, one basis that can lead to the above sort of dynamic is compassionate protocol ("we are losing a little money on this deal, but you are in-need and we're here to help everyone"), as opposed to greed protocol ("we medicos are here for the big insurance money, and only charge the True Low Cost when forced").
And on balance, the nature of the people who choose the occupation of medicine tends towards the former.