If you do a search, you will find other posts with this same scenario. Some insurances will not pay for preventive, even though different types of exams/specialty. Some will pay only once you submit an appeal letter explaining. Some will automatically pay a preventive by PCP and Ob/Gyn with no intervention needed.
From my perspective as a patient, my PCP and Ob/Gyn do not provide the same service during an annual. While some of the services may overlap, my PCP is not doing a breast exam or PAP. My Ob/Gyn is not recommending when I should have a colonoscopy and doing cholesterol screening.
My opinion is that if both physicians did provide a preventive, that is how it should be billed. I would not advise to change a preventive service to 99202-99215 for the sole reason to have it covered under insurance. I would advise to bill each service with the correct CPT/ICD10 provided. If insurance denies, I would appeal. If the ultimate decision by insurance is that it is not a benefit of the patient's contract, then the patient would be responsible. In a perfect world, the patient should have been informed of this (or at least this possibility) before the services were rendered. However, it is not required if it is a non-covered service.