Here is what I have found out today. My insurance rep told me that if the doctor would code it differently they would pay. I have called the doctor and am waiting on a response. I go to a GP who does my Pap which I thought ended up saving money for all of us and that is called a Well Woman visit and that is not what my doctor coded it as. So the saga continues. I just wnated to try to let others know that this could happen and like someone said watch your bills carefully and ask a lot of questions.