It's not that cut and dry. If you have a deductible (say $50) that comes off the top, so in this scenario, you owe $200. Your co-pay is $150 and you have a $50 deductible. What we are running into with a lot of the newer plans this year is a very high deductible. If you have a $200 deductible, you can add that to the $150. Regardless of how much you pay, the dentist is getting $600, the difference is how bad your insurance is screwing you over.