Yes, routine annual physicals are covered as part of the preventive service requirements. This means that insurers must provide coverage for preventive health services currently recommended by the United States Preventive Services Task Force (USPSTF) and federal guidance, which currently includes the following:
Some plans will also cover some limited services prior to meeting a deductible such as primary care visits, some urgent care, or a limited number of prescription drug refills. Check your Summary of Benefits and Coverage for information on what services are covered before the deductible is met.
Under federal rules, insurers must provide coverage for preventive health services that the USPSTF recommends at an A or B rating without any cost-sharing requirements such as a copayment, coinsurance, or deductible. For example, if you are man 35 and older and go to the doctor’s office for an annual physical, and are screened for cholesterol abnormalities as part of your annual physical, the insurance company cannot impose cost-sharing for either the physical or the cholesterol abnormalities screening. Note, however, that the law covers preventive care and if there is a medical reason for a service, then you may have some cost-sharing requirements. Take the previous example with the man 35 and older, if he goes into his annual physical to discuss reoccurring stomach pain and the doctor bills separately for an office visit for any services to address the stomach pain, these services will likely not be considered preventive care. You can find a list of USPSTF recommended preventive services here. (45 CFR § 147.130(a)(2)).