Trying to understand what’s included in a diagnostic visit with a HDHP

Hello! I have an Aetna HDHP (OA managed choice pos hdhp), and I’m trying to understand what gets billed separately with a HDHP. In the past, if I asked for any extra blood work (like an STD panel) or shared any information (I’ve had knee pain in the past), it would get coded as a diagnostic visit instead of a preventative visit, and I’d get billed anywhere from $100-$300. I have my yearly physical coming up, and knowing I’m going to ask for an STD panel and some extra blood work, I’m trying to understand if asking for additional referrals and discussing additional issues would add additional charges to my final bill, or if it would be included under a single diagnostic visit code regardless of how many referrals / prescriptions / issues I bring up for discussion. It would also be helpful to know how a prostate exam would fit into that as well (if you’re not in a risk group and before the recommended age).

Unfortunately Aetna doesn’t provide much guidance aside from saying they can provide estimates if I provide the specific billing codes which isn’t too helpful without understanding the ins and outs of what they can and may enter for billing / coding. Any guidance or resources pointing me in the right direction would be appreciated. Thank you!

M 36 Florida