Small Business

What’s an Annual Checkup and Should I Go?

Updated on November 30, 2019


As a small business owner, you probably want to make sure your business runs smoothly—and one thing that can affect productivity is being out due to medical issues. Annual checkups are a great opportunity for preventative care that could help you stay healthy and ready to run your small business. Some small business insurance plans might not even require a copayment for your annual checkup, so taking advantage of this service could come at no cost to you.

What is the annual checkup?

If you are a small business owner and just bought health insurance (or you already have it), then you’re off to a good start. The next step to take: learning about services offered with your health insurance. Since you have coverage, it’s important to know what you can expect from it, and how to maintain your health with the services provided.

A lot of health insurance plans cover the cost of a yearly healthcare visit meant for preventative purposes, also known as the annual checkup. Most of the time, your small business insurance plan will have a list of components that they deem part of a “physical,” or annual checkup. Screenings and measurements included in annual checkups can differ from one plan to another, but some things that might be covered with an annual checkup are:

  • Blood pressure check
  • Weight/height measurement
  • Cancer screening
  • Blood tests
  • Age-related exams
  • Discussion about healthy living

This list might be different depending on your coverage. Some small business insurance plans might cover the visit completely, but some may require a copayment. Either way, you should look into seeing what your insurance covers with an annual checkup, and take advantage of this preventative visit.

The benefits of an annual checkup

An important part of taking care of yourself is preventative health care – taking the right steps to help avoid serious health problems down the road, and identifying any health issues you may have now, without even knowing about it. Going to your annual checkup could help you find any medical issues early on.

St. Joseph Health notes that a huge benefit of going to annual checkups is that your vitals will be monitored year after year. This might include blood pressure, weight, blood sugar, and cholesterol. Being able to track trends in your health throughout the years might help you and your doctor understand your health better and notice changes early on.

How to prepare for an annual checkup

It might be helpful to bring a list to your annual checkup of what you’d like to talk about with your doctor. This is your chance to put everything on the table, and from there, your doctor may take further action if needed, such as giving a referral to a specialist, or ordering tests beyond what is offered with the annual checkup. You might have to pay cost-sharing, such as deductibles and coinsurance, for these additional services.

Make sure to mention any concerns you have about your health and ask for advice from the doctor about maintaining or improving health.

The Centers for Disease Control and Prevention states that going to your annual checkup is important, so look at your insurance plan, see what is covered, and make an appointment with your primary care provider.

This article is for general information and should not be relied on as medical advice.  Check with a medical professional for medical advice.

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