The US system penalizes choosing the wrong facility. Here is the hierarchy.
Preventive (Annual physicals, vaccines, standard labs) is mandated by law to be $0.
Diagnostic (Investigating a specific pain, issue, or chronic disease) hits your deductible.
Predict what a medical event will actually cost before you go.
Assumes $500 Deductible, $0 spent so far.
"Hi, I'm here for my fully-covered annual preventive physical."
Do NOT bring up a new chronic issue unless you want to pay for a diagnostic visit.
Services you already pay for via university fees.