I went to my dentist a couple of days ago to get a check up and happened to overhear the financial counselor explaining to a patient on their payment policies. I had some question on some of the payment methods which includes cash/check pay discount and some kind of low monthly plan that the clinc offers. For the cash/check pay discount, do many dentist offer this benifit to their patients? I forgot the exact numbers but they mentioned a 5% and 10% discount for some of the procedures. Sounded like a good policy because the patient seemed delighted by the offer. But I was wondering if these kinds of conditional offers are actually legal? For the low monthly payment plan, I'm not sure if I got it right but it was like the clinic was running their own insurance company where the patients had to pay around a $90-$100 monthly fee to get coverage on most of the procedures except for cosmetics. This sounded like a really great idea since it would benifit the patients and dentist without unnecessary money leaking out into insurance companies. I was thinking, if more dentists provide such payment plans and things work out well, we might not even need the goverment to get involved.