Are routine physical examinations covered?
Yes. We encourage members to undergo examination by a physician every year by reimbursing up to $150 each (not subject to deductibles) of the cost of an annual physical examination for members and their spouses per calendar year. Any additional expenses over $150 will be eligible for reimbursement after the deductible. The services rendered must be for a routine examination in which the services are in the absence of patient complaints. No special form is required. If the bill provides a condition/diagnosis or procedures which are not appropriate for a routine physical without patient complaints, the charges become subject to the deductible and paid accordingly. In addition, charges for periodic review of a child’s physical and emotional status performed by a physician or by a health care professional under the supervision of a physician. Such periodic review charges will include coverage for a history, complete physical examination, developmental assessment, anticipatory guidance and
