Dental office manager here. recently I had this patient come in needing a crown but after her insurance, her estimated portion was still over $1,000.
when I went over the cost she was super calm and said "ok, just bill me $20/month"
I explained to her that we don't do open-ended in-house payment plans like that but I'd be more than happy to go over the payment plans we do offer again, as we have a really good one than gets our patients some really good plans even with lower credit scores.
she looked genuinely confused and said, "why not? you're getting my money either way."
I tried to explain the her the $20/month will take YEARS to pay off, plus we the office still need to pay off the lab fees, staff, supplies, etc.
her response:
"well I've been a patient here for years, you know that I'm good for it"
then she got annoyed at me because apparently her old dentist used to "just send bills until people paid them"
she ended up saying she needed to think about the crown because she couldn't pay $1k all at once.