Your are incorrect, Independent. Current insurance is written that way, I should know, I work for a broker. Obamacare rules for preventative exams/tests changed last year and are being implemented with renewals. It will eventually be part of all policies.
You get one yearly preventative exam with a GP Dr. plus any preventative testing relative to your age or family history (mammos, colonoscopy) for $0 copay. Any diagnostic testing, even in GP office, you will be charged and pay anything below your deductible. If there is a problem found at your yearly exam, you will be sent to a specialist and charged copays and costs of testing. If you go to your GP less than 12 months after your preventative exam, you will be charged.