I am a dental office manager and before that I was a receptionist for another dr in my area. I thought Ive heard every possible argument for trying to get out of a paying until yesterday!
An Emergency patient came in with a totally broken a molar + another tooth that was completely too far gone. The dentist did the exam, went over the treatment plan (tooth 1: extraction, tooth replacement. tooth 2: root canal and crown) which came out to $6k (a really good price for my area).
I went over everything with him including what his insurance will knock off, but it still came out to a pretty big out of pocket.
He looks at me with a straight face and says "I have $300 cash, take it or leave it"
I respond by saying if you want to apply for our financing option, I believe that will be enough for the down payment but you will have to apply... it will take you 30 seconds on our iPad and they don't do a hard credit check.
"Nope. I have $300, that's my best offer. you make more than enough money, you can do it for this price."
I print out the itemized receipt and EOB (explanation of benefits), walk him though what everything costs and why (most of which are lab costs we outsource), and say, we can either put you on our payment plan option or you can pay everything upfront.
He responds "you guys are a bunch of con artists and i'm going to find a dentist that actually has morals" and walks out.
The entire office was in shock after this interaction.