Annual Physical Exam Cost Calculator
Estimate the cost of annual physical exams and preventive screenings throughout retirement. Compare Medicare coverage vs. out-of-pocket expenses and see how preventive care can save you money long-term.
Personal Details
Exam & Screening Costs
Test Frequencies
Insurance & Coverage Details
Preventive Care Coverage Score
Moderate coverage. You have decent insurance protection, but plan for meaningful out-of-pocket preventive care costs each year.
Avg Annual OOP
$754
Lifetime OOP
$15,081
Avg Annual Total Cost
$2,523
all exams & screenings
Avg Annual Out-of-Pocket
$754
$63/mo
Lifetime Total Cost
$50,466
over 20 years
Early Detection Savings
$7,570
potential avoided costs
Medicare covers $36,046 of your preventive care
With Medicare, your annual wellness visit is covered at 100%. Other screenings are covered at 80% after your $226 deductible. Your estimated lifetime out-of-pocket cost is $15,081.
Cumulative Out-of-Pocket Costs
How your preventive care expenses build over retirement
Lifetime Cost Breakdown
Insurance covered vs. out-of-pocket expenses
Total
$51,127
Covered by Insurance
71%$36,046/yr
Out-of-Pocket
29%$15,081/yr
Annual Cost: Covered vs. Out-of-Pocket
Year-by-year insurance coverage and your share
Year-by-Year Breakdown
Detailed preventive care cost projections
| Year | Age | Total Cost | Covered | Out-of-Pocket | Cumulative OOP |
|---|---|---|---|---|---|
| 1 | 66 | $4,250 | $3,269 | $1,001 | $1,001 |
| 6 | 71 | $1,181 | $778 | $429 | $3,333 |
| 11 | 76 | $6,923 | $5,325 | $1,630 | $7,368 |
| 16 | 81 | $1,923 | $1,266 | $698 | $11,164 |
| 20 | 85 | $2,337 | $1,539 | $849 | $15,081 |
Personalized Insights
Actionable recommendations based on your numbers
Medicare Annual Wellness Visit is free
Medicare covers your annual wellness visit at 100% with no copay or deductible. This includes health risk assessment, depression screening, and personalized prevention plan. Make sure to schedule it every year to maximize your benefits.
Budget $63 per month for preventive care
Your estimated average out-of-pocket cost for exams and screenings is $63 per month ($754/year). Include this in your retirement healthcare budget alongside premiums and prescription costs.
Preventive care could save $7,570 in treatment costs
Regular screenings catch conditions early when treatment is less expensive. Studies show early detection of cancer, heart disease, and diabetes can reduce treatment costs by 30-50%. Your preventive spending of $50,466 could save significantly more in avoided hospital stays, surgeries, and chronic disease management.
Medicare does not cover routine dental care
Traditional Medicare does not cover dental exams, cleanings, or X-rays. At $300 per visit, dental care will be a significant out-of-pocket expense. Consider a standalone dental plan or Medicare Advantage plan that includes dental coverage.
Medical inflation will increase costs significantly
At 5.00% annual medical inflation, a screening that costs $100 today will cost $265 in 20 years. This is why your later years of retirement will have substantially higher healthcare expenses.
Colonoscopy screening covered by Medicare
Medicare covers colonoscopy screening every 10 years for average-risk individuals (every 2 years for high risk) at no cost when performed by a participating provider. This saves you the full $2,500 screening cost. Make sure your provider accepts Medicare assignment.
Vision and hearing screenings protect quality of life
Regular vision exams can detect glaucoma, macular degeneration, and cataracts early. Hearing tests identify loss before it impacts social engagement and cognitive health. Untreated hearing loss is linked to accelerated cognitive decline and increased risk of dementia.
Bone density scans help prevent costly fractures
Osteoporosis-related fractures cost an average of $30,000-$40,000 for hip fracture treatment alone. Regular DEXA scans at $250 help detect bone loss early, enabling treatment that can prevent fractures and preserve independence.
Plan for $50,466 in total preventive care costs
Over 20 years of retirement, your total preventive care costs are projected at $50,466. Of that, insurance is expected to cover $36,046, leaving $15,081 as your responsibility. Preventive care is one of the best investments you can make in a healthy retirement.