Doctors Who Accept What My Insurance Carrier Will Pay--Where are they?

Being the good little citizen that I am, I went ahead and scheduled my yearly check-up. Especially with the possiblity of Obama's health care plan being voted in--hey, that is another story-- My doctor told me that Blue Cross Blue Shield of MI had contacted her and told her that she was being required to ask her patients if they would take certain tests. No problem, I thought--my insurance carrier is being proactive rather than reactive So, my doctor ran the tests that Blue Cross Blue Shield had asked her to ask me about. Well today I receive a statement from BCBS showing me what I will OWE my doctor for some of these tests that were run because my Doctor doesn't accept what BCBS pays as adequate. My question--does anyone know of a doctor who ACCEPTS what the insurance companies pay as payment in full?

Receiving the statement from Blue Cross Blue Shield was a another stab to my heart after their rates were raised in MI. My monthly increase is $50/month. When will the bleeding stop?