<prompt> Human: Hey everyone, long time lurker and this is my first post here. So I scheduled a doctors appointment with a specialist that my brother sees and recommended to me. I am covered under my mothers plan and so is my brother. I was just told that I need to pay a 200 deductible for the visit and the insurance will cover the next visits, I just need to cover the co-pay. The appointment costs 275, so the receptionist just told me I need to pay my 200 deductible and the insurance will cover the rest. This is all just so confusing because my brother has never had to pay more than the co-pay with this doctor and neither has anyone else in my family when going to see a doctor or specialist. My appointment is tomorrow and I really want to sort things out as soon as possible, because I feel they might be making an error with this whole ordeal. Is this correct or should I be complaining to my insurance provider right now?  <response>: We dont know anything about your insurance. Call and ask them. Explain why youre confused. 