Doctors have bills to pay. In all likelihood, your visit will go thru at least 4 people. Receptionist, nurse assistant(take your BP, get the details), doctor, check out. If you require a prescription, a 5th person will call that in.
To me, it's more of a personal responsibility issue. Knowing that your insurance is going to be billed an ungodly amount(and will eventually increase rates all) for something you could take care of in 10 minutes and still going to the doctor is just selfish. "I pay for insurance. I'm gonna use it!!!"
Of course, we're no longer required to be personally resposible nor are we taught to be. But you're suggesting more regulation of doctors. Bigger government.