@manly_mentor The other side of the coin. Even with a loan against collateral, there is still risk to the lender and the time value of money, so there will be interest that will have to be paid. Nothing is free.
You can ask anything, but if you want an answer and they diagnose the issue, you should pay. You can go in to get your tires rotated, but you askโthis thing while driving is doing thisโ. They will probably say, this is going to take me 30min-1hour diagnostic time @ $200 per labor hour.
If you look into insurance billing, The code usually cover a set of requirements and sometimes with a time limit and case complexity. If the Dr is asked to do work outside of that code, for example going in for a school physical and asking the Dr to check a broken or sprained foot or a hernia, that is a whole different billing code and should be changed to insurance. It is the problem of insurance not covering the 2nd medical issue.