你保险的是需要付copay的那种吗？和保险种类也有关系：HMO,

PPO, POS, fee-for-service, etc...it's really rare there is a health insurance doesn't require out-of-pocket from patients.

You'd better check with your health insurance company. By the way, Doctors in the US is paid by minutes, she/he can charge for time. Usually, your insurance company will audit the charge. if you have any questions, talk to your insurance company. If your insurance doesn't require co-payment, you probably will have to pay higher out-of-pocket money.