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Our health insurance has changed for the worse quite a bit over the past couple of years, as our contribution levels have skyrocketed, while deductibles and out-of-pocket expenses have increased.

One thing that hasn't gone away is the preventative services premiums.  Annual physicals and all required immunizations are covered at 100%.  No co-pays or anything.  I think this might be mandated nowadays by Obamacare, but that's so complex and convoluted, that I really have no idea.

All I know is that when it comes to having kids, the fact that all immunizations are covered is a huge money saver.

Our newborn daughter went in last month for her first series of shots, and they rang to the tune of $450.  That was actual payout by the insurance company to the office.

In terms of adults, everybody should get an annual checkup.  Everybody.

But, what's the best time?

I think, it's the fall.

Simple reason, two words: Flu shot.

I have been going in the fall for my annual checkup, and every time I'm able to get my flu shot which is then free.

It might be free anyways even if I went in special for that, but my guess is that an office visit would apply, in which case I'd be on the hook for $30, which is our co-pay for non-checkup visits.

So, if you're not going to your doctor for an annual checkup, guess what?  Fall is coming so make an appointment now and plan on getting your flu shot as well.  Save some money and maybe yourself as well 🙂

That reminds me, it's time to call my doctor's office and schedule my visit.  Will you call today?


Do you get an annual checkup?  Flu shot?  When do you go?