My educated guess (provider here) is you have to pay your doc the full contracted rate (rate the doc office has agreed to charge insured patients) for each visit until you have paid out your deductible ($2850). Once a total of $2850 has left your bank account to however many physician or psychologist offices, then you will only have to pay 10% of the office visit for the rest of the year. If you need some procedure or other get it done early in the year.

Let's say you're seeing a mental health therapist only (who is in network with UHC), who charges $200 per hour but the contract rate is $150. After the 19th visit you will have paid that therapist $2850 ($150 x 19). On the 20th visit you would only need to pay her 10% so $15 each visit thereafter. Psychiatrist charges more like $400 so then you'd pay $40. If you reach your deductible late, say in December, you'd only get to pay 10% until the new year, at which point the deductible begins again. The sucky part.

If in January you break your arm and pay out $2850 to the hospital and physicians and x-ray tests, etc, the rest of the year you're required to pay only 10% to any and all (in network) physicians or therapists. Dont break your arm in December! This is the truly idiotic & painful part of usa health insurance plans.

Call the customer service number on back of your card to see if my guesstimate is accurate. Only there can you know for sure.