#UnitedHealthCare changed rules re: no-copay annual physicals. ∃ specific list of *limited* issues you may talk to your doctor about during that physical. If you ask a forbidden question, #UHC charges ala carte (as uncovered services).
Yet, you can see your doctor any time for a $15 copay, & any inquiry is covered.
I got a $140 bill b/c I asked such a question at annual physical.

I'll never book an annual physical again, just regular appt for $15. It cost me $125 to learn that.😩