Preventative Benefits

My EOB says it covers preventative care at no patient responsibility, but then doesn't outline what they consider to be preventative care. I ask insurance what my preventative benefits are and they tell me they can't tell me until after I complete to the service/lab and am responsible for paying whatever they don't want to cover. And then when you complete the service, they deny things like the chaperone fee for an annual wellness exam, which is a non-optional part of getting cervical cancer screening. Certain things like cervical cancer screenings and lipid panels are federally mandated for the insurance to cover according to https://www.healthcare.gov/preventive-care-adults/, but they don't. Is there any redress or oversight of the insurance company if the Department of Insurance won't help since the plan is employer-funded? Can they refuse to cover lipid panel screening for annual exams for the rest of your life if it was out of range once?

submitted by /u/Purple_Conclusion_22
[comments]