Have you ever looked into a Direct Primary Care physician? I think there may only be like 600 in the US, but they are beginning to catch on. I went to one about a lump in my pectoral muscle and she only charged $100 for the single office visit. If I were to join her practice it would only be $38/month for unlimited visits and phone calls. She's able to do this by keeping only a limited number of patients on her rolls and not keeping any overhead staff.