If you go to the doctor, and your policy has a $30 co-pay, the doctor wants that co-pay right then and there. If you have a $1,000 deductible, the doctor is STILL going to want that $30 co-pay right then and there. The doctor is NOT going to collect your $1,000 deductible for a $125 office call. What's HE going to do with it? You don't owe it to him. This is nothing new.
Use your heads, folks.