So, can you make the insurance company to reimburse you for the visit?
If the doctor is in the network you can submit the bill and look for reimbursement. I haven't gone that route. The coverage I'm going to have is more for catastrophic problems ($10,000 deductible). The fee I pay to my doctor covers my appointments, free labs and tests that they can do in their office, any labs that are sent out are at the rate they pay, 24 hour access to the doctor (we have his cell phone number), and appointments are same day or next day.