High Bill for an Annual Health Checkup (HDHP). Is it reasonable?

I recently visited a doctor who is in-network (based on what is said on my insurance website) for an annual health checkup. This is my first time getting a checkup in a very long time and this is my first time going to this office. I have a HDHP, so for the purpose of this question, assume that nothing outside of preventive care is covered.

The office performed several tests (e.g., blood test, urine test, etc.). Then, the doctor discussed my medical history with me and asked some questions about it.

I saw the bill on my health insurance website. Most of the charges were for the lab tests, and these amounts were minimal. However, there were two charges that my insurance is not fully covering: $300 for "family history" and $400 for "medical visits." I have to pay the full $400 and my health insurance covers only $150 for "family history." This is all for one visit and my interaction was with the doctor and his staff only.

Are the $300 and $400 charges reasonable given that I visited the doctor for a checkup/tests only?

The "family history" item is listed as out-of network even though I interacted with one doctor. I reached out to my insurance to have them review why it is there given the existence of the Surprise Medical Bill legislation.

I saw the bill listed on my my insurance website, but I have been told that the insurance is required to match the bill to what the doctor actual bills when it is in-network, so I am assuming they will match. Is there an issue with telling my medical provider that I want to pay for a portion of the bill while I wait for the insurance to review the other parts?

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submitted by /u/2xsistar
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