I talked to my co-workers and we have two plans, even the higher ($$$) plan has this issue so at least that is good to know. I only went to the cheaper this year. And my deductible does reset in January even though insurance renews in July. I might as well wait until after the first of the year to get this done and have much of my $1k deductible met for 2009. Insurance can really be a pain. The doctor's office will also give me a list of other offices to do it, maybe one will bill me for it or let me up front pay less.