In most cases, the premium rates for life insurance policies that do not require physicals are higher than premiums for policies with a medical exam.
Regular physicals and special screening tests can potentially prevent certain cancers in high-risk groups.
Vaccinations, physicals and developmental screenings are standard practices of primary care.
They encourage people in the plan to have regular check-ups, well-baby visits, and yearly physicals.
Some plans do provide for routine preventive care, such as yearly physicals, but with other plans it will be necessary to make other arrangements for prescription drugs, dental or vision coverage.