Why? Because the insurance would pay for the well-woman visit, but not for the medical assessment, intervention or advice at the same visit.
The doctor wanted to be paid for every service provided. How greedy is that?
Insurance companies have become so efficient at reducing and/or denying payment to doctors that medical practices are having trouble keeping their doors open. When insurance companies reduce payments to doctors, the costs are then passed on to the patients.
Next time your doctor charges you for something ridiculous, don't get mad at the doctor. Hold the insurance companies accountable for maximizing their profits on the backs of doctors, and ultimately the patients.