That and what the person you're replying to about choosing your words carefully is insane. I was speaking with a rep from my insurance trying to figure out what I need to do for the free annual physical checkup stuff and they were telling me how I should speak to the doctor to avoid getting charged a consultation fee (i.e. don't ask questions, avoid answering if they ask something about your current health, emphasize that you're only there for your annual physicals, etc.). And if you don't have a PCP, you probably have to pay for the visit either way as a "first-time patient" just to get the doctor's orders for your labs. It's bonkers navigating the system.