Originally Posted by mherdeg

Um, you may want to be a little careful here.

In the US, generally an annual wellness exam is "free" if you have medical insurance (it is treated as preventive and insurance pays 100% of what is billed).

However, if during that visit you disclose any illness, the physician's office may end up billing it as a sick visit and you may incur additional responsibility (co-pays, co-insurance, etc.). My physician's office has me sign a form to this effect during my annual well visits, and I have anecdotally read reports of the practice surprising people ( https://www.fatwallet.com/forums/finance/1579109 ). Worst case, I guess maaaaybe you could ask UA to cover any additional costs you incur based on their FA's medical judgment that your quarter-sized bruise represented a safety risk, but good luck with that.