High out of pocket WITH insurance?

Went to urological associates and paid a $100 deposit.

Doctor assured me most plans cover vasectomies "almost 100%" since it's cheaper than to have them pay for unwanted pregnancies and abortions.

Well their business office got back to me today and told me they have a "negotiated price" with Blue Cross Blue Shield of...$650 and then told me that's the lowest, some insurance companies are $1,050.

When I look online...the quotes I see for cash prices for vasectomies is $750-$1000.

So WTF is my insurance covering, exactly?

I'm pissed, I got this appointment nearly 4 months ago that's now 1.5 weeks away and I'm blindsided by the fact with the deposit it seems like insurance isn't covering anything!

I asked them if they do payment plans, or bill insurance for me to pay insurance later, and they laughed and said no.