The first thing I do when a doctor suggest tests is to ask them how much each one of them will cost. They of course don't know, but I think it is important to stress to our doctors that every time they suggest a test, it costs me hundreds of dollars.
My clinic now has a phone line to call to get the price on each procedure based on my insurance coverage. Like you I have a very high deductible ($6000) so I pay for everything.
The ultrasound and bloodwork seem reasonable, I'm not so sure the reasons to jump right to a biopsy. I would suggest calling your doctor back, asking the price of each procedure, and her reasons for suggesting each one. Then you will have more information to go on before deciding what actions to take.
We are in charge of our healthcare, not the doctor. If you have issues or disagreement with one, seek a second opinion.