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I am also a primary care physician, but aware of the delivery of health care issues. I do ask my patients about whether they are insured and what they are covered for. If you are coming for an urgent care visit and being billed for what you are asking to be seen for then its a patient's responsibility to make sure that is covered for them. If you are coming for your well-care of preventative health visit in which the physician is already being covered for what should be a full exam then what a physician finds being negative or positive should not then be separately billed. The visit was for a physical, the pt was covered for a physical and the physician reimbursed for a physical. If f/u is needed for a finding then separate reimbursement comes for that f/u visit.