I recently went for a doctors appointment for a routine physical, which according to my insurance plan is covered 100%. Nothing out of pocket. No co-pay, nothing. If you believe that I've got a bridge I want to sell you. 4 months after my appointment I received an $80 bill for 20 minutes of the good Doc's time. After repeatedly calling the billing department, I was met with a snotty attitude and a threat of turning the bill over to collections if it didn't get paid. I then contacted my insurance provider and was told to basically suck it up, since the doctors charge was legit.
If you go to a doctor for a routine physical which is supposed to be covered, if the doctor even asks you about ANY type of pre-existing condition you have, you can be billed for it. Even if you don't want to talk about it, you're getting charged. Double check with your insurance provider and ask your doctor to keep the chit chat down to a minimum or face a fee!