I apologize if this doesn't answer your question or you've already explored it, but "payment plan" can turn that $700 cost into a something a lot more manageable - I am pretty sure most providers will work with you (often without interest) to come up with something you can afford.
Thanks for the response. For better or worse (due in part to other medical bills over the last several years), our backs are, indeed, that hard against the wall. $700 financed for a non-life-threatening issue is a hard no-go right now.