A lot of the doctors I've seen recently just don't take insurance. Basically they just tell me what something costs and then I pay it. Obviously if you are poor this is a problem, but then again so is everything else and you probably can't afford health insurance anyway.
Most of them (in my experience) have been middle-aged women, hard-nosed, cynical, and no-nonsense. They can easily be abrupt and cranky.
It's a real good idea to ignore that, and make them your friend. They can do miracles.