This sounds right. If your doctor is in-network...the discounted rate is teh amount that should be charged to your lifetime max. I would just confirm everything with your clinic. The nurse may not have realized that your clinic was in-network. Since you have a 10% co-pay, ask them up-front what that would be. That should give you the amount that they are charging your insurance carrier. Make sure you clear that up so that you do not get a nasty surprise at the back-end!!