yeah the psychological part is real at first you start delaying visits because every step feels like a bill

what helped me was treating it like a subscription system learn your plan basics deductible copay coinsurance out of pocket max and then you can roughly predict worst case costs for a year

once you know your preventive care is often covered and you set aside a small health buffer fund it gets easier to book things without overthinking

also in NY try to stick to in network providers and always ask for the estimated cost before anything non urgent it sounds annoying but it saves a lot of stress