Regardless of your health, start 2017 out right by scheduling your Annual Exam.  An Annual Exam is one where you visit your physician because you want to ‘screen’ for possible issues, and is done as a preventative care appointment.  These screening tests will provide you with information on lab results that are in normal ranges, or may help detect health concerns.  Understanding what is covered per ‘screening’ as preventative will help you determine what your costs may be for an Annual Preventative Care Exam.  The physician’s time is ALWAYS covered, as well as other preventative screening tests depending on if you’re male or female.

Many other screening tests are partially covered per your cost share agreement of your insurance plan.  If you have any questions on what is covered for Annual Exams, consult your insurance company prior to your appointment.

Here is a short list of the 15 screenings covered for both men and women:

Abdominal Aortic Aneurysm one-time screening for men of specified ages who have ever smoked

Alcohol Misuse screening and counseling

Aspirin use to prevent cardiovascular disease for men and women of certain ages

Blood Pressure screening for all adults

Cholesterol screening for adults of certain ages or at higher risk

Colorectal Cancer screening for adults over 50

Depression screening for adults

Diabetes (Type 2) screening for adults with high blood pressure

Diet counseling for adults at higher risk for chronic disease

HIV screening for everyone ages 15 to 65, and other ages at increased risk

Immunization vaccines for adults–doses, recommended ages, and recommended populations vary:

Obesity screening and counseling for all adults

Sexually Transmitted Infection (STI) prevention counseling for adults at higher risk

Syphilis screening for all adults at higher risk

Tobacco Use screening for all adults and cessation interventions for tobacco users

There are additional screenings dependent on if you’re female or male.  Per federal law, there are a total of 67 preventative/wellness services covered for women, and 63 preventative/wellness services covered for men.  Another tip when you see your physician is to make sure they code the screening test accurately as a ‘preventative care’ screening so that it is covered by your insurance at 100%.

The benefit of having your Annual Exam and preventative care screenings done each year is that many times they detect health problems that can be treated before they become major.  For additional information visit

This update has been provided by Fresh Finance.