learning curve regarding insurance and pharmacy

following our nighttime potty training with elenora, she suddenly started going to the potty all the time during the day.  at first i thought it was just psychological--that she was just thinking about it so much.  she said she wasn't in any pain at all, so i waited.  but as a week and a half went by and she was still going all the time, i decided to take her to the doctor just to rule out anything serious.  a quarter inch of pee in a cup later and we were on our way to the pharmacy to pick up antibiotic for a "mild" UTI.  the doctor had been so nice, and it all seemed so simple--ella would take medicine for 5 days and be all better.

at the pharmacy, they were already filling the prescription when we arrived.  as we sat waiting, the lady behind the counter called me over to say that "you have a hundred dollar deductible, so i just want you to know that this will be $120."  i was just kind of in shock.  and confused.  so confused.  but there were other people in line and i don't like to look dumb over things that they must know better than me about.  so i just said "okay" because what else can you say when your kid is sick and needs to take the medication?

ella took 7 ml the first day, and then 4 ml on days 2-5.  23 ml total.

we still have half a bottle of medication left over... to throw away, apparently.

BC/BS sent a statement saying that the total cost for this small bottle of medication was $374. 

i am frustrated and dumbfounded, and i keep trying to figure out how this could have been avoided.  do i call the doctor?  do i go to the pharmacy?  do i call BC/BS?

2 other complications: i was charged a $30 co-pay at the doctor, whereas my co-pay is now "only" $25.  also, i had already picked up a medication at the pharmacy this month, so why didn't that come out of the $100 deductible?  i don't think i've ever been charged a pharmacy co-pay before.  so the extra $20 was completely out of the blue.

the only good thing is that elenora's feeling better.

and she's completely nighttime potty trained.