Are annual physicals covered at no cost?

Yes. Most health insurance plan, including the ones purchased through the Marketplace, cover one annual physical exam at no cost, if the provider is in-network.

These visits are only free if they focus solely on preventive care. If you discuss or treat new symptoms, it may become a diagnostic visit with co-pays.

To ensure the visit is free, tell the office you are coming in for an “annual preventive wellness visit” and avoid discussing new, specific, or ongoing medical issues.

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