Does Medicare cover physicals every year? Wellness and preventive care is an important part of health coverage. Discover how Medicare covers these visits.
Having your health checked regularly is an important part of staying healthy. However, you might wonder, “Does Medicare cover physicals?”
The good news is that preventive care is an important part of every health plan thanks to the Affordable Care Act (ACA) that was passed in 2010. When you have Medicare, these annual visits are emphasized.
However, it’s important to ask for a “wellness visit” rather than a “physical” to ensure that you get appropriate coverage.
Discover more about annual wellness visits and how they are covered under Medicare!
The Welcome to Medicare Visit
When you first sign up with Medicare Part B — the part that covers doctor visits — you’ll be invited to do a Welcome to Medicare visit.
This appointment is designed to document the care you need and set plans for the future. There is no cost for the exam, but it needs to be done within 12 months of signing up for Medicare Part B.
What is included in the Welcome to Medicare visit?
Your health care provider will check your vital signs, including blood pressure, height, and weight. The doctor will also review your health history and ensure your preventive services and tests are up to date.
From there, you will work together to create a personalized plan for your health care needs. This will include Medicare physicals on an annual basis.
Annual Medicare Wellness Visits
Each year you’ll have the option to schedule a Medicare wellness visit to review your current health. This visit is included in your Medicare Part B coverage and there is no charge to you as long as the provider accepts Medicare.
Wondering what is included in a Medicare Wellness visit? The doctor will check your vital signs again, as well as evaluating you for cognitive impairment. Based on your results, the doctor will offer advice on how to improve any medical conditions and stay healthy going forward.
Sometimes the medical provider will order tests that are not covered under the wellness visit. If you have Original Medicare, you’ll have to pay your Part B deductible and 20% of the cost for those tests.
Annual Wellness With Medicare Advantage
Many seniors don’t have Original Medicare, as they prefer to get additional benefits using a Medicare Advantage plan.
Medicare Advantage plans are required to have cost-free coverage for annual wellness exams just like Original Medicare. However, you may have to go to one of their preferred medical providers.
As long as your medical providers are within the Medicare Advantage plan’s network, you shouldn’t have trouble with your wellness visits.
So Does Medicare Cover Physicals?
Both Original Medicare and Medicare Advantage plans cover annual wellness visits. In most ways, these are like physicals, but you have to ask for them as “wellness visits.”
Now that you know the answer to “Does Medicare cover physicals”, you can rest easy knowing that this annual preventive care is covered.
Are you concerned that you’re not getting the most from your Medicare coverage? We’re here to help. We can review your current plan and help you select the options you need.
You deserve peace of mind about your health insurance.