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You can offer to pay cash at time of service saving them the hassle and wait for payment they have with insurers, including Medicare. My mom has no dental insurance and gets a 10% discount for cleanings/exams and I think 25% off more complex procedures. People I know without health insurance negotiate with health care providers and get substantial discounts, probably as good as insurance/Medicare in many instances, but it doesn't work with every provider.

You certainly have the right to trying negotiating, but OP thought physicians ought to only charge Medicare rates just because he was 65. It doesn't work that way. If you aren't enrolled in Medicare, they can charge you whatever they want. In fact, even if you are enrolled they can charge more if they choose to not accept Medicare. One surgeon in our town tried that for a while. Soon found he didn't have much business and began accepting Medicare again.
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