I am not sure you understand deductibles and how they work. I would call your insurance company/"agent" and discuss your coverage with them.

Having insurance means the cost of seeing a doctor is much less (the insurance is able to "bargain" them down) right away; for example, my husband would be billed for $90 a visit but in the end only has to pay $45. My insurance is different (he has Medicare), it's independent/non-work-related or anything else, so, even though we are seeing the same doctor, the doctor tries to get $150 for my visit but we only pay around $100. Too, it depends on what you see the doctor for, how much "work" he needs to do.

You do not have to pay right away; you find a doctor who takes your insurance and the doctor's office will then bill the insurance company (and send you all the bills but you do not pay them, they are just for your records) and the insurance company will pay some (or, in our case, none but the lower charges will be noted) and then the doctor's office will bill you again with the information on what the insurance company paid and how much you then owe (we never meet our deductibles, mine is $2600); just having insurance will make that amount lower, the insurance companies get a lower rate than an individual without insurance would get.

If you have a high deductible, you have lower monthly/quarterly payments for your insurance; if you have higher monthly/quarterly payments for your insurance, you have a lower deductible. Don't just look at the deductible though; look at the difference in highest/lowest monthly bills and multiply that out and then subtract out how much you have to actually pay to see the doctor.

If you pay the doctor (my situation) $100 a visit, and visit 4x a year; that's $400 but if the difference in my monthly payments between my high deductible and low deductible plans is only $50, that would mean I was paying an extra $600 a year and I'd still have to meet a deductible, probably higher than $400 (I think they start at $500 for my plans) so I would just be paying extra for "nothing".

All the billing back and forth between your insurance and your doctor's office will take about a month and then you'll probably have a month to pay your bill, etc. so you could save up for a few months more and possibly your doctor will take a lesser amount or time payments. I would talk to my insurance company and my doctor's office, find out what will happen in your particular situation.

There are different kinds of insurances too; maybe get an HMO kind and then there will be no deductible because you will be seeing their doctors at their clinic, etc. I did that when I was young and did not have a very good paying job.