Yes it does suck. We have a health savings account (HSA). We paid out of it up to 2000 grand and then the insurance company pays. So the trick is to wait until the end of the year to get major things done because by then you used up you deductible.
I have always been pretty healthy. My doctor talked me into my colonoscope. It is cheaper if you get the one without anestisea (sp). Since you are wide awake you get to watch the whole (hole) thing on TV. They found 10 pre cancerous pallops up there. The surgent cuts them out as he goes. Kinda like a computer game. "Hey look at that one. There I got that one. etc. "
Since they found 10 of those bad boys they suggest that I get one every 3 years. I can't say I'm looking forward to them but I tell you the I wouldn't miss one now.