Too Much Information?

So This will qualify as too much information, but you're reading this, so I assume you don't care too know. Steph and I decided that a vasectomy is the way to go. Four is enough, I guess. I called up my insurance co. and my deductible is $1000. Then once I meet my deductible, they only pay 80% of my bill. This year alone I have paid over $2000 just in premiums. So I have already paid over $2000 in premiums( in 6 months) then have to pay out another $1000 to reach my deductable, then I will still pay 20% after that as well. Here comes the good part. I called one Dr.( one of the four that I can go to according to my insurance) and the cost is $1200 PLUS hospital costs. I thought I was going to get a vasectomy, not a prostate exam... come on. I thought they could do this prcedure in the office? (I know they can, I have seen it done, another story, don't ask) So I am going to call the other three and see how they charge and go from there. I think it is going to be cheaper to do what we are doing now, and not get the vasectomy...