Fun fact: for people over 45, colonoscopy screening for cancer is always free. If your insurance tries to make you pay for it, report them to your state insurance commissioner or the Center for Consumer Information and Insurance Oversight. ACA made a lot of preventative medicine & screenings free.
Yeah, it’s the screening that’s free. If that turns something up, then it transitions to “care.”
I’ve had the same experience with “wellness” check-ups: if I mention some complaint to the doc during the visit, it suddenly becomes “visit with complaint” and costs me $120.