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While in some states it may not be a violation of Insurance Laws, it might be unethical and a possible violation of prohibited practices laws or patient rights laws.  This question has been asked many times and in many ways.  Our response could be found in the questions asked more than once section.

In addition to the excellent responses, a lawyer may look upon this as discrimination.  One national hospital was sued in a class action lawsuit for charging uninsured patients more than someone with insurance. The patient who is charged $130 may be a State or Federal investigator, so you never know what will happen.  Consider a fictional situation:  Mr X has Blue Cross, Mrs X has Cigna.  Your doctor is contracted with BCBS.  Im sure Cigna will want to know why you are charging them more than a BCBS patient.  Lets say BC and Cigna pays $50 and applies it to the patient's deductible.  There is no contract with Cigna, so the cigna patient is charged the full $130 and the BC patient is only charged $50.  Mrs X says, Honey!  Why is my bill more expensive than yours? We both saw Dr Z and we were both charged a 99213 visit.   Mrs X's insurance is an ERISA plan and now the Feds may involved.  You dont charge Mrs X and accept insurance only, someone is going to want to know if doing so is a kickback and then the difference in charges are looked at, especially their daughter who has ABC Insurance and you charged her $250 for a 99213.   Not only will they look at insurance charges but they will also want to see what you charge uninsured patients.  Along comes Dewey Cheatem and Howe with a subpoena for a lawsuit and this turns into a class action lawsuit because they include every patient charged the higher amount.  The possibilities can be numerous and its not worth it.  Lets say Dr A, who is the same specialty as you and is in the same medical building.  He charges $125 and he sends a claim to XYZ for $125 and he is paid $30.  XYZ says that because you charge XYZ only $30.  XYZ says the usual and customary is $30 and they dont pay more than UCR.  Dr A talks to a lawyer because he's losing money due to the established UCR that is based on what Dr Z charges.  How will you explain this to the angry patient when they are standing in front of you, telling you to perform a task that is anatomically impossible or a man with a badge and subpoena that walks into your office. That $130 patient tells your doctor to shove his charges where the sun dont shine and he leaves the practice for good.  The word gets out and no one wants to see your doctor because he cant get his charges in order, so now there are no patients calling for appointments or walking in.  Referrals from other PCPs are denied by the patients themselves.  They simply refuse to see your doctor.  Imagine senior citizens in a large community and we have many here where the population is in the thousands and the word spreads worse than a wildfire on a hot dry day.  Is the $30 worth all the headaches and damage to the practice?  The fictional scenario may sound crazy but you never know...  Again, it may not be illegal, but it may be unethical. Instead of asking why cant, we should ask, why should!  Follow through with, is it worth it?   I always recommend one charge per service. Everyone is charged that same amount.