Why see the doctor if I'm not actually sick? My family history includes cervical and colon cancer, diabetes, hypertension, and thyroid problems.
Several years ago when I had a colonoscopy my insurance company denied payment. If I had had colon cancer they may have paid but mine was considered a baseline, preventative procedure so not covered.
Insurance companies pay nothing or as little as possible for their enrollees health costs to pass the profits on to their shareholders.