05/26/2026
When we think about health insurance, we usually think about what it costs us—deductibles, copays, and monthly premiums. But did you know that your health plan includes valuable, comprehensive medical care that costs you absolutely nothing out of pocket?
If you are on a senior health plan, you are fully entitled to dedicated wellness visits designed to keep you healthy, independent, and ahead of any potential health issues.
Here is exactly how they work and how to use them:
1️⃣ The "Welcome to Medicare" Visit
When do you get it? Once during your first 12 months on Medicare Part B.
What is it? A baseline review of your health, medical history, and a roadmap for the preventive screenings, shots, and care you'll need over the coming years.
2️⃣ The Annual Wellness Visit
When do you get it? Every 12 months (once you’ve been on Part B for over a year).
What is it? This isn’t a standard physical where they draw blood. Instead, it’s a personalized sit-down conversation with your doctor to build or update a prevention plan based on your current health. They will check things like cognitive health, risk for falls, blood pressure, and review your current medications.
💡 The Important Catch (And How to Stay Protected)
Both of these visits are 100% free—meaning you pay $0, and the Part B deductible doesn't apply.
However, here is what you need to know: If during your free wellness visit, your doctor decides to run extra diagnostic tests, treats a new medical condition, or performs a procedure (like removing a cyst or ordering specialized x-rays), that portion of the visit can trigger out-of-pocket costs or deductibles.
That is why having a complete plan matters. While your core health plan gives you access to amazing free preventive care, layering it with Gap Filler like a Hospital Indemnity Plan ensures that if a routine check-up ever turns into an unexpected hospital stay or advanced testing scenario, you have cash benefits hitting your bank account to handle the surprise bills.
Have you scheduled your annual wellness visit yet? Give your doctor's office a call to get it on the calendar!
If you want to review your plan to make sure you're getting all the extra wellness perks you qualify for (like free gym memberships or dental cleanings), drop a comment or send me a message today! 📋✨
