We have one fee schedule that we charge everyone, insurance included.
If anyone wants to pay at the visit, then we give them a "Time of Service" discount, which is also available if any insurance wants to pay that day (of course, they won't). If I have to send you a bill, you're not getting a discount.
We have a high fee schedule because we do a lot of legal work, and that leaves us more negotiating room. You absolutely do NOT want to be telling a jury that you charge injured patients more than insured patients, so again, one fee schedule for all.
Our Time of Service discount is 75% off our fee schedule. That means for every $100 we charge, if you pay at the visit, it's $25 (per $100).