what kind of coverage for lab work do you get with your "free annual exam"? went last year for my annual exam and was shocked to be billed for more than $250 in copays for the labwork, all of which were recommended by the doctor as part of the annual screening. had I realized the cost, I would have turned down all but the thyroid and iron testing, as those are the only areas of concern to me, and I couldn't at all afford the $250.