An email from the helpful folks at MGH about my upcoming physical:
During your upcoming preventive visit, your primary care provider may need to treat a new or a chronic problem that has changed or is worse. You may have a co-payment or deductible with your insurance plan for the additional management or treatment of the new or worsening problem(s).
Immunizations and tests (laboratory, x-rays, screening tests) may also be billed during your annual physical visit. Some tests or services may not be covered so you may have to pay coinsurance and the Medicare Part B deductible may apply.
It is important that you understand your plan’s benefits. We encourage you to learn about your health insurance benefits by calling the phone number on the back of your health insurance card, or by reviewing the website of your health insurer.
I am supposed to anticipate any new conditions that they may find as a result of my physical. I need to look up whether these conditions are covered. I need to know what tests or services are covered. The ones I don’t know about, yet.
It’s important that I understand this.
I need to be able to predict how sick I am going to get in order to select the appropriate health coverage. But, even if I select the most expensive and comprehensive coverage, there still is not guarantee I will covered