Uggh, I hate this aspect of health insurance. My local BCBS insurance denied payment for my annual checkup last year (first year on a new policy), which is supposed to be fully covered as preventative care. They denied payment due to the pre-existing condition clause because the doctor and I discussed a minor condition for which I am not receiving any treatment nor taking any medication. I went round and round with the insurance company and said of course we discuss my health and various (minor) maladies during my annual checkup - that's what it's about!! They said it all comes down to the codes the doctor's office puts on the submission, and since one code was the same as the year before, they would deny payment. Thankfully, it wasn't a huge amount of money, but the logic makes no sense and the bureaucratic BS is maddening. You feel like you're trapped in an alternate universe.
"The course of history shows that as the government grows, liberty decreases." Thomas Jefferson