Preventative services are not free if obtained through an out-of-network provider. If the primary reason of your office visit is for diagnostic care, then you most likely will have to pay. This means that if the majority of your visit addresses health problems you are already having, then your visit is not a preventive care visit. It can also depend on how your doctor’s office codes the visit. If the preventive service is billed separately from the office visit, the preventive service must be free, but the office visit may have a cost. If you receive treatment given as a result of a preventive service visit but the actual treatment itself is not considered a preventive service, then you may have to pay.