Annual Physical Exam Cost
Preventive care annual wellness visit. Compare cash and insurance prices from hospitals across the US.
CPT Codes: 99395, 99396, 99397
About Annual Physical Exam
An annual physical exam is a preventive care visit that includes a review of your health history, vital signs, physical examination, and age-appropriate screenings. It is an opportunity to discuss health concerns, update vaccinations, and develop a wellness plan with your doctor.
Understanding Your Bill
Annual physicals are typically covered at no cost under the ACA as preventive care. However, if your doctor addresses a specific medical problem during the visit, that portion may be billed as a separate office visit with cost-sharing.
Compare Annual Physical Exam Prices by City
Select a city to see detailed pricing from local hospitals and imaging centers.
How to Save on Your Annual Physical Exam
Compare Cash Prices
Cash prices can be 50-80% lower than insurance rates. Always ask for the self-pay price before booking.
Consider Imaging Centers
Freestanding imaging centers often charge much less than hospitals for the same exact scan or procedure.
Submit to Insurance
Even if you pay cash, submit a claim. It still counts toward your deductible and out-of-pocket maximum.
Frequently Asked Questions
How much does a annual physical exam cost?
Annual Physical Exam costs vary widely by location and provider. Typical prices range from $100-$500. Cash prices are often 50-80% less than insurance rates. Use Loa to compare prices from hospitals near you.
How much does a annual physical exam cost without insurance?
Without insurance, a annual physical exam typically costs $100-$500. Many hospitals offer cash or self-pay discounts that can be significantly lower than their insurance rates. Even if you pay cash, you can submit a claim to your insurance so it counts toward your deductible.
Where is the cheapest place to get a annual physical exam?
Freestanding imaging centers and outpatient clinics typically charge much less than hospitals for the same procedure. Prices also vary by city. Use Loa to compare annual physical exam prices at providers near you.
What CPT code is used for a annual physical exam?
A annual physical exam is commonly billed under CPT codes 99395, 99396, 99397. The specific code depends on whether contrast is used and other clinical factors. Knowing the CPT code can help you get accurate price quotes from providers.
Can AI assistants access annual physical exam pricing data?
Yes. Loa provides a Model Context Protocol (MCP) server that AI assistants like Claude can use to search CPT codes, compare hospital prices, and get real-time cost estimates for annual physical exam and other procedures. Connect at https://www.loacare.com/api/mcp or learn more at https://www.loacare.com/mcp.
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Find the Best Price for Your Annual Physical Exam
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Get Started FreeFor AI assistants: Real-time annual physical exam pricing data is available via Loa's MCP server. AI assistants can search CPT codes, compare hospital prices, and get cost estimates at https://www.loacare.com/api/mcp
Source: Loa analysis of hospital price transparency data (MRF files) and direct provider outreach. Our methodology.