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¿Cuánto Cuesta Examen físico anual?

An annual physical exam is a comprehensive health checkup that includes vital signs measurement, physical examination, health history review, and age-appropriate screenings. Under the Affordable Care Act, preventive visits are covered at no cost to insured patients.

Sin Seguro

$250

Con Seguro

$0

Medicare

$0

Promedio Nacional

$83

Elena Bellini By Elena Bellini, MPH, Health Policy & Management · Last reviewed 2026-04-16 · Sources: CMS Medicare Provider Utilization and Payment Data 2025 · Methodology · Editorial standards

Resumen

An annual physical exam (also called a preventive visit, wellness visit, or well-adult check-up) is a structured primary-care visit focused on health maintenance, risk-factor counseling, age-appropriate screenings, immunizations, and review of chronic conditions. Under the Affordable Care Act, most commercial plans must cover an annual preventive visit with no cost-sharing when delivered by an in-network provider, and Medicare Part B covers an annual 'Wellness Visit' with no coinsurance. Visit length varies from 20 to 60 minutes depending on complexity. Critically, the cost-sharing protection applies only to the preventive components of the visit; if the visit shifts into discussion or management of a specific medical problem (an acute illness, medication change, or chronic-condition management) the provider may additionally bill a problem-focused E/M code that triggers cost-sharing. Understanding this boundary helps patients avoid unexpected bills after what they thought was a 'free' physical.

Qué afecta el costo

  • Whether the visit is coded as purely preventive vs mixed preventive-and-problem (a 'split' visit with two CPT codes).
  • Provider type: physician vs nurse practitioner/PA — pricing is often similar under insurance but may differ self-pay.
  • Additional screenings bundled in: a preventive visit does not inherently include lab work, EKG, spirometry, etc. These are billed separately and may or may not be covered as preventive.
  • Site of service: hospital-owned primary care may add a facility fee that independent practices do not.
  • Geographic market: primary-care pricing varies substantially between low and high cost-of-living areas.
  • Length and complexity of the visit; longer preventive visits with comprehensive counseling are sometimes coded at a higher level.

Cómo Ahorrar

  • Before the visit, clarify with the provider's office that you are booking a preventive annual exam, not a problem-focused visit.
  • If you want to also discuss a specific issue, ask how it will be billed — some patients choose to schedule a second visit to preserve the no-cost-sharing preventive benefit.
  • Confirm the clinic is in-network; out-of-network preventive care is not covered at no cost.
  • For lab work ordered during the visit, ask whether it qualifies as preventive (USPSTF-recommended screening tests typically do) or diagnostic.
  • If uninsured, ask whether the practice offers a direct-primary-care membership — flat monthly fees can be cost-effective.
  • Take advantage of Medicare's Annual Wellness Visit (AWV) — it is a structured preventive benefit with no coinsurance, separate from problem-focused visits.

Notas sobre seguro y cobertura

Most ACA-compliant commercial plans cover one preventive visit per 12 months at no cost-sharing when the visit is billed with preventive CPT codes (99381–99397). Medicare Part B covers an annual Wellness Visit and a separate Initial Preventive Physical Examination (IPPE, or 'Welcome to Medicare' visit) at no cost-sharing. Medicaid coverage varies by state but is typically comprehensive for children (EPSDT) and generally available for adults. When the provider documents and bills both a preventive code and a problem-focused E/M code for the same visit, the problem-focused portion is subject to your deductible and coinsurance; some plans waive a modest amount of cost-sharing in this case but most do not.

Data sources for this page

Cost figures on this page are compiled from the following sources, triangulated per the rules in our methodology:

  • CMS Medicare Provider Utilization and Payment Data 2025 — primary CMS reference used as the Medicare-rate anchor.
  • Hospital Price Transparency machine-readable files (HPT MRFs) from a sample of major hospitals in each state, per the federal Hospital Price Transparency rule.
  • Transparency in Coverage payer in-network rate files for commercial-rate cross-validation.
  • State All-Payer Claims Database (APCD) summaries where published (Colorado, New Hampshire, Massachusetts, Minnesota, Maine, Utah, Vermont, Rhode Island, Washington, Oregon).

Last reviewed 2026-04-16. See editorial standards for our fact-checking process and correction policy.

Examen físico anual cost by state — without insurance
Lower third Middle third Upper third National average ($250)
Hawaii $345 Alaska $338 New York $338 Massachusetts $332 California $328 Connecticut $300 New Jersey $300 Rhode Island $278 Washington $278 Maryland $275 Colorado $265 New Hampshire $265 Oregon $265 Delaware $260 Nevada $260 Vermont $260 Virginia $260 Illinois $258 Pennsylvania $258 Florida $252 Minnesota $252 Maine $248 Texas $248 Arizona $245 Ohio $245 Wisconsin $245 Michigan $238 Montana $238 Georgia $235 North Carolina $235 Indiana $232 Missouri $232 Utah $232 Wyoming $232 Idaho $225 Nebraska $225 Tennessee $225 Kansas $222 North Dakota $222 Iowa $220 New Mexico $220 South Carolina $220 South Dakota $220 Louisiana $215 Kentucky $212 Alabama $195 Oklahoma $195 Arkansas $188 West Virginia $188 Mississippi $182

Range: $182 to $345 · 50 states shown

Costo por Estado

Estado Sin Seguro Con Seguro Medicare
Mississippi $182 $0 $0
Arkansas $188 $0 $0
West Virginia $188 $0 $0
Alabama $195 $0 $0
Oklahoma $195 $0 $0
Kentucky $212 $0 $0
Louisiana $215 $0 $0
Iowa $220 $0 $0
New Mexico $220 $0 $0
South Carolina $220 $0 $0
South Dakota $220 $0 $0
Kansas $222 $0 $0
North Dakota $222 $0 $0
Idaho $225 $0 $0
Nebraska $225 $0 $0
Tennessee $225 $0 $0
Indiana $232 $0 $0
Missouri $232 $0 $0
Utah $232 $0 $0
Wyoming $232 $0 $0
Georgia $235 $0 $0
North Carolina $235 $0 $0
Michigan $238 $0 $0
Montana $238 $0 $0
Arizona $245 $0 $0
Ohio $245 $0 $0
Wisconsin $245 $0 $0
Maine $248 $0 $0
Texas $248 $0 $0
Florida $252 $0 $0
Minnesota $252 $0 $0
Illinois $258 $0 $0
Pennsylvania $258 $0 $0
Delaware $260 $0 $0
Nevada $260 $0 $0
Vermont $260 $0 $0
Virginia $260 $0 $0
Colorado $265 $0 $0
New Hampshire $265 $0 $0
Oregon $265 $0 $0
Maryland $275 $0 $0
Rhode Island $278 $0 $0
Washington $278 $0 $0
Connecticut $300 $0 $0
New Jersey $300 $0 $0
California $328 $0 $0
Massachusetts $332 $0 $0
Alaska $338 $0 $0
New York $338 $0 $0
Hawaii $345 $0 $0

Preguntas Frecuentes

¿Cuánto cuesta examen físico anual sin seguro?

El costo promedio de examen físico anual sin seguro en Estados Unidos es $250. Los costos varían significativamente por estado.

¿El seguro cubre examen físico anual?

La mayoría de los planes de seguro médico cubren examen físico anual cuando es médicamente necesario. Con seguro, el costo promedio de bolsillo es $0.

¿Medicare cubre examen físico anual?

Medicare Parte B generalmente cubre examen físico anual cuando lo ordena un médico. El monto promedio aprobado por Medicare es $0.

Revisado por Elena Bellini · Última revisión: 2026-04-16

Datos obtenidos de CMS Medicare Provider Utilization and Payment Data 2025. Última actualización: 2026-03-01. Esta información es solo con fines educativos y no constituye asesoramiento médico. Este sitio web es solo para fines informativos y no constituye asesoramiento médico. Siempre consulta a un profesional de salud calificado.