They are not ethical.

I've had any procedures here both out of pocket (aesthetics) and derm related. Covered by insurance. I needed to see the doctor for a weird growth and went in for the appt and I have a 50 dollar co-pay. I didn't have that much money at the time as I have a secondary insurance due to my being disabled but they won't take it. When I explained I didn't have it all, could I half now and half next week she said let me check with the office manager.

When she came back apologetically saying we said no, I was actually embarrassed for her. She felt super bad and I was humiliated. It stinks having to stretch a dollar. I left never to return again and I've read up and the doctor gets terrible reviews.

So it all worked out the way it's supposed to.

But I wouldn't got there ever again.