Actually, alot of things are happening to a newborn in the first few days and weeks of life; almost any of which can be serious or not. It depends, but someone who knows what to look for has to check. Many of these can be determined simply by looking (such as jaundice) or by weighing the infant (i.e. is the baby eating). A trained nurse can do many of the newborn checks; but you better believe if the nurse felt a tight belly or currant jelly stool, the doctor would have been in there in a big hurry.
The system is what it is, unfortunately: look on the bright side- all these copays will go towards your deductible and once you meet that, you can scheduel something really expensive.
Hope this helps understand.
C-
As fo rthe money: its all abotu the INSURANCE company getting money! Often, the co-pay is the total amount the doctor gets for the visit.