I use insurance, and have I superb care and attention from my pdoc, so that doesn't always hold true. My husband's pdoc doesn't take insurance, and while he is also very good, he is not nearly as responsive, prompt with service, accessible, etc., and he definitely has a superior attitude that no one is going to tell him what to do (insurance carrier OR patient, at times). It isn't about the payment method necessarily. It is simply about that physician's philosophy on how he treats his patients.