Insurance Question

I just talked to my Obgyn clinic, and they are quoting a total price of labor and delivery (doctors fees only) as $2645. This does NOT include the hospital fees and labs fees.  Since that doesn't meet my deductible, we are responsible for all that. 

I have "good" health insurance, paying $550/month for a Blue Shield plan through my employer (a physical therapy clinic). 

We are being set up on a payment plan- $1200 deposit and 7 monthly payments of $206/month. 

This seems very high for "good" insurance. 

I'm just curious... What does everyone else's insurance benefits and out of pocket costs look like?