Out of curiosity did you book that "health check" through the HSA website that links you to the points? I ask because I just did that a few weeks ago. It was totally free and I just went to a local Quest labs. Im thinking if you went to your own Dr. maybe that isn't covered in the plan. I honestly don't know since thats the way I have always done this. Im also under 40 as well so that doesn't make sense to me.