US hospital/pcp billing ethics

I have always been in good health in general so I selected an insurance with a high deductible. I’ve been going to this PCP in a major top hospital system for 3 years that is notorious for charging excessively and more than any other companies. I only go once a year for annual physical. My insurance covers annuals and preventive fully but only 20% of diagnostic/specialists. I’m a simple patient who only asks my PCP to look at any moles or skin bumps every annual. That’s it, nothing else that I bother the doctor about. Last month right before the annual, something incredibly stupid happened to me. I was using a new handbag with a bad strap that chafed against my neck/shoulder skin. It was completely harmless. Didn’t hurt, didn’t itch, mild. Just small slightly pink area that I knew would go away as soon as I stopped using the bag which it did. I never asked my PCP to look at it during annual but she saw it after I asked about a tiny bump unrelated near the area. She asked about it and I said, oh it’s just irritated because of my handbag. She offers to send a cream to the pharmacy. I feel so stupid because I just ok, sure. She also makes a referral to the dermatologist which I was fine with because I knew there would be a copay for the derm appointment. I never needed or used the cream. The area was so silly. I never put anything on it because it quickly bounced back as soon as I stoppped using the handbag. The derm made a comment about it too but I said it was fine. Then I got hit with a $300 copay for my annual because they billed an office visit charge to the annual along with a $300 copay for the derm referral consult (total $600). I never wanted or needed treatment for the small irritated pink area from a strap chafing it for only a short period of time. As an analogy, it’s like going to the PCP for an annual, her seeing a minor paper cut, and offering to send neosporin to the pharmacy which I should have declined but I didn’t know better. My insurance is asking them to review the coding again but I’m not hopeful because the pcp documented “dermatitis” in my chart. I’m always so careful to find out ahead of time how much things will cost but I got a fast one pulled on me this time. I am planning to leave this pcp and this hospital system because this is the 4th time I’ve gotten screwed over by them (other instances not related to billing) by being passive and accepting of everything they did to me.

This experience “woke” me up. I have always had a degree of trust in doctors even the ones who I knew were taking advantage of me, making me go for more extra costly visits at my wallet’s expense than needed because technically I could rationalize it was medically necessary. BUT this event was sooooooooo medically unnecessary and poof, $300 out the door over nothing. Made me really lose faith in doctors for the first time in my life. I will be scared to seek medical care from now on and say no to everything suggested to me if I didn’t seek advice for it. I don’t think I’m overreacting am I?

I didn’t know where to start posting so I initially posted to r/medicine which is run by doctor mods but got removed from them and they recommended me to post to r/Psychiatry as one of the options so even real doctors think I’m crazy for how I feel right now? LOL.

Edit: also if you think about it, the pcp AND the derm dr are charging me for the same $300 copay (total $600) so wtf. Obviously no ethics in charging a patient twice for 2 drs doing the same thing.