Let's not be naive.  What is the cost of a doctor' office visit without insurance?  What is the cost of an office visit with insurance?  I am not talking about the co-pay.  I am talking about the gross fees.  Including you co-pay and whatever is charged to the insurance companies.  Remember also,  that the doctor is not paying as much attention to you as he is the computer screen.  Same doctor is also worried about getting enough patients in and out of the office to pay his bills. 

No insurance, you paying in full is $100 or less for a primary care physician.  Insurance paying is $200.  Numbers do not lie.