Did I get screwed over?

A few weeks ago I went for a skin care screening at a dermatologist’s office. My sisters had suggested the doctor as someone they really liked, so I figured I’d go get a screening since I never had before (29m). I gave them my insurance – Anthem Blue Cross Blue Shield and figured that it would be covered as it’s an annual skin care screening, same as a physical would be. At the appointment the doctor flagged a mole to take a biopsy for, luckily turned out it was benign. Great.

Now, a few days ago I receive a bill from the doctor’s office of $911, with only $89 of the original $1000 covered by my insurance. The $89 is because the doctor was in network, but the rest of the bill ($911) I’m told is going to my deductible. I called the doctors office, and they confirmed the codes/billing were correct:

New Patient Office Visit – 99203 – $345

Tangential Biopsy of Single Skin Lesion – 11102 – $355

Evaluation of Surgical Specimens – 88305 – $300

After confirming this, I called the insurance provider (Accolade/Anthem BCBS) and they told me the codes look accurate, and the billing looks accurate as well. Essentially all of it will go towards my deductible and the skin care screening isn’t covered, especially because I went to a ‘specialist’.

I guess my question here is, is that accurate? Is there anything I can do here? I’m in disbelief that a 20 min appointment where he quickly glanced over my skin and then took a scrape is going to cost $1000, even with what I assumed was pretty great insurance through my employer. The bill wouldn’t financially ruin me but it’s definitely a pretty hefty fucking bill and I don’t understand how the average person is supposed to handle a situation like this. Anyway, any advice would be super helpful, thanks!