연간 건강검진 비용은 얼마인가요?
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.
보험 미가입
$250
보험 가입
$0
메디케어
$0
전국 평균
$83
개요
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.
비용에 영향을 미치는 요소
- 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.
절약 방법
- 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.
보험 및 보장 참고사항
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.
Range: $182 to $345 · 50 states shown
주별 비용
| 주 | 보험 미가입 | 보험 가입 | 메디케어 |
|---|---|---|---|
| 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 |
자주 묻는 질문
보험 없이 연간 건강검진 비용은 얼마인가요?
미국에서 연간 건강검진의 보험 미가입 평균 비용은 $250입니다. 주에 따라 비용이 크게 달라집니다.
보험이 연간 건강검진을(를) 보장하나요?
대부분의 건강보험은 의학적으로 필요한 경우 연간 건강검진을(를) 보장합니다. 보험 적용 시 평균 본인부담금은 $0입니다.
메디케어가 연간 건강검진을(를) 보장하나요?
메디케어 파트 B는 일반적으로 의사의 처방이 있을 때 연간 건강검진을(를) 보장합니다. 메디케어 승인 평균 금액은 $0입니다.
Elena Bellini 검토 · 마지막 검토: 2026-04-16
데이터 출처: CMS Medicare Provider Utilization and Payment Data 2025. 최종 업데이트: 2026-03-01. 이 정보는 교육 목적으로만 제공되며 의료 조언이 아닙니다. 본 웹사이트는 정보 제공 목적으로만 운영되며 의료 조언이 아닙니다. 항상 자격을 갖춘 의료 전문가와 상담하세요.