You don't have to pay it, so move on and find another Doctor. You cannot control what a Dr. charges. And your precious insurance companies are like the mob. They gouge you for every cent, while promising to pay us, but they begrudge us every penny and will not hesitate to ask for money back if they can find a loophole! They also set what we can charge you. With over $250K in student loans, not to mention countless years of sacrifice and poverty on our part getting through school and residency: all for the love! Believe me there are easier ways of making money. Also >50-100K for malpractice insurance. That $4k goes up on smoke really fast.