You should verify cost and payment with your insurance

 Call the number on the back of your insurance card or visit your insurance portal and type in your providers name to check benefits and to verify that your provider is in your network or out of network. 

Not necessarily it depends on many factors, and it is best to contact your insurance company to get your benefits information. If you have a deductible to meet, coinsurance, or copay that would be out of pocket to you for the contracted rate of costs. 

A contracted rate is the amount that an insurance company and a provider have agreed on and it could be less than the provider's out of pocket rate or the same, this depends on your insurance company. 

An EOB is an explanation of benefits you receive from your insurance company that explains how much you should pay your provider. The EOB has a breakdown of what the insurance covered, what you pay and why (copay, coinsurance), and if the amount you are to pay goes towards your deductible, etc.

A deductible is an amount you have to pay before your insurance will pay. Every plan has different deductible amounts some low and some high. If you are not sure what your deductible is check with your insurance company. 

Most likely your copay and coinsurance will be billed at time of service and the rest after insurance has paid but this can change. Insurance coverage is not always a guarantee of payment, and the client is responsible for the balance.