I had the same experience. As a part of small talk at annual physical, I asked a question to the Doctor to which they gave an answer which I already knew ("You do not need to worry about this"), and I got charged for that.

My workplace pays me incentive money for getting an annual physical. So, now I just go to physicals, stay quiet just so that I get the incentive money.

I wonder how doctors feel that their patients are scared of asking them any questions.