Last updated: March 2026
How Much Does Annual Physical Exam Cost?
Cost Breakdown by Type
| Type / Procedure | Without Insurance | With Insurance |
|---|---|---|
| Adult Annual Physical | $150 – $300 | $0 – $0 |
| Child Well-Visit | $100 – $250 | $0 – $0 |
| Sports Physical | $50 – $100 | $0 – $25 |
| Executive Physical | $500 – $5,000 | $500 – $5,000 |
CPT/ADA Code: 99395
What Affects the Cost
- Facility type (freestanding center vs. hospital — hospitals cost 2-3x more)
- Geographic location
- Complexity of the visit or test
- Whether additional tests or procedures are needed
- In-network vs. out-of-network provider
- Time of day (emergency/after-hours may cost more)
Insurance Coverage
Typical coverage: Covered at $0 under ACA as preventive care
Most diagnostic tests and urgent care visits are covered when medically necessary with a doctor's order. You'll pay your deductible first, then coinsurance (typically 20-40%). Preventive screenings are covered at $0 under the ACA. Always use in-network providers to avoid surprise bills.
How to Save Money
- Freestanding facilities cost 50-70% less than hospital-based
- Ask for cash-pay pricing upfront — often 40-60% less than billed rate
- Compare prices on MDsave.com or Healthcare Bluebook
- Use urgent care instead of ER for non-emergencies (save $1,000+)
- Telehealth visits cost $50-$100 for many conditions
- Check if the service qualifies as preventive care ($0 with insurance)
Related Procedures & Costs
Frequently Asked Questions
Yes — under ACA, one annual preventive visit is covered at $0 with no copay or deductible. Includes age-appropriate screenings.
A physical is a preventive wellness check ($0 with insurance). A sick visit is for a specific complaint ($20-$50 copay). If you bring up health issues during a physical, part may be billed as diagnostic.
Annually for most adults, though healthy adults 18-39 may go every 2-3 years. Your doctor recommends frequency based on your health history.