MFW my health insurance tells me they don't pay for doctors visits if you're going because you need to

Finally got insurance with my new job, first time having actual insurance that a company. I've never had issues before with doctors because I've self paid and haven't been in often, not something I can normally afford. When I'm sick I typically tough it out and wait, because a trip to the doctor is a multi hundred dollar thing and I can't afford sudden costs. Heaven forbid I break something.

So you can see that this would be great. I'm super excited to be able to get basic medical care without having to worry too much that bills will eat me alive. My new insurance gives me a free annual visit, so I decided to go and have the check up. I developed tendinitis a few years ago and I was put on muscle relaxers to compensate, but I don't really need the high doses anymore. While I was in, I asked if they could switch me to a lightweight brand, since I don't really need the strong pills. My doctor says sure and switches me over to a new pill that works better and will help me with anxiety. This is something I could have called and requested instead of bringing it up, but I figured I'd kill two birds with one stone while I was already in for the day. This is where I fucked up.

Bill comes in for the visit this morning, insurance has denied the coverage saying they don't cover diagnostic visits and I'm on the hook for $220, the base price of an office visit. Lets keep in mind this was a 15 minute visit where I pretty much said hi to my doctor, stepped on a scale, and talked about how my medicine was working for me. I'm thinking its a mistake, I didn't get diagnosed with anything new, I'll call the insurance company.

Three phone calls later, the woman in claims informs me that if I have any other service besides having my blood pressure taken, my weight recorded, and my heart or lungs listened to, it's considered diagnostic. This includes talking to my doctor about my options. Which they won't cover.

"So if I need to go to the doctor because of an injury, or I've become ill, that isn't covered?"
"Yes ma'am that's correct."
"And I have to pay the full amount?"
"Yes ma'am, up to your deductible, and then 50% after."

This makes me frustrated. If I need simple, basic care, I cant afford it, despite having medical insurance. Just. Why? Why is it this bad?

Thank you for reading imgur, Im not here for your internet points, Im just here to vent because Im flabbergasted at not being able to afford to be sick.

FP Edit: holy, I did not think this would make it all the way to FP. Thank you to everyone for your help, I'm gonna try to respond to all the messages, my inbox is flooded. As for questions, I have a PPO plan and it was the only one offered by my job when I started. I am going to look at other options for coverage and my doctor is helping me out with a payment plan since I explained the situation to them. Thank you again everyone for your support!