Where can I get an annual physical near me in Covington, LA? Annual physicals and wellness exams are part of everyday care at Total Health Urgent Care’s Hwy 25 clinic (73015, Suite A), and our primary care page lists same-day availability on all seven days, with doors open from 7 AM until 7 PM. If you’re insured, the federal HealthCare.gov list of adult preventive benefits says most plans cover a set of preventive services with no copayment or coinsurance. Paying yourself? The posted self-pay office visit is $130.
Fall is a handy time to get it done. The Virginia Department of Health’s flu vaccination page says that ideally, everyone should be vaccinated against influenza by the end of October. Flu shots and vaccines are on the list at our Covington primary care practice. If you set money aside in a flexible spending account, HealthCare.gov’s FSA page says you generally must use the money in an FSA within the plan year, and its plan year definition notes that the 12-month period may not be the same as the calendar year. Check your own dates.
Quick answers before you head over
- Where: Hwy 25 just above downtown Covington, by its intersection with Hwy 190, with Folsom and Franklinton close by.
- When: open daily from 7 AM, closing at 7 PM, with Saturdays and Sundays on the schedule too. Walk-in patients are always welcome, with no appointment required.
- With insurance: screenings on the federal preventive list generally cost nothing when an in-network provider does them, although HealthCare.gov cautions that a $0 bill isn’t guaranteed every time.
- Without insurance: $130 for the office visit. Per our pricing and insurance page, that price takes in referrals, the exam, and any prescribing of medication. Wondering about lab costs? Ask on the phone at (985) 400-5370.
- Student athletes: school and sports physicals are free.
How much is a physical without insurance?
Nationally, a physical without insurance averages $331, according to ValuePenguin’s How Much Is a Physical Without Insurance? guide, updated June 30, 2026. ValuePenguin says that figure came from an average of sampled rates from FairHealthConsumer. The same guide warns that your doctor may order other tests, vaccines or services that could carry an extra charge, such as an EKG, X-rays, urinalysis, a lipid panel, or a complete blood count.
Here in Covington, our self-pay pricing lists three prices: the $130 office visit, a $75 X-ray, and free school and sports physicals for student athletes. Since the clinic offers such a long list of services, its pricing page recommends a quick call ahead if you want an accurate out-of-pocket estimate. Expecting bloodwork? Ask about it on that call.
Is an annual physical free with insurance?
Often, at least partly. The HealthCare.gov adult preventive care page says all Marketplace health plans and many other plans must cover its list of preventive services without charging you a copayment or coinsurance, even if you haven’t met your yearly deductible. It adds that you generally get them at no cost when an in-network medical provider delivers them, and that coverage may vary. Items on the HealthCare.gov list include:
- Blood pressure screening
- Cholesterol screening for adults of certain ages or at higher risk
- Depression screening
- Hepatitis C screening for adults 18 to 79 years
- Immunizations such as flu (influenza) and tetanus
KFF’s ACA Preventive Services Tracker, last updated on March 11, 2026, still says the Affordable Care Act requires most private health insurance plans and Medicaid ACA expansion programs to cover many recommended preventive services for adults without any patient cost-sharing.
The visit itself is a different story for some people. A January 2024 KFF Health News article on surprise checkup bills by Elisabeth Rosenthal explains that the annual checkup itself is guaranteed to be no cost for women and people age 65 and older, but that guarantee doesn’t apply for men in the 18-64 age range, even though many preventive services that require a medical visit are covered.
Most major health plans are accepted at Total Health, and the clinic can bill your insurer directly. Your insurance provider sets the co-pay amount for an office visit, and it’s usually listed on your insurance card. Not sure your benefits cover the visit? Our insurance and self-pay page suggests you contact your insurance company.
Why do some people get a bill after a checkup?
Surprise bills can show up when a visit goes beyond prevention. In that same KFF Health News article, a patient mentioned digestive problems when his doctor asked about health concerns, and his visit was billed as both a preventive physical and a consultation. The article also quotes a federal CMS official explaining that if a preventive service isn’t billed or tracked separately from an office visit, and the primary purpose of the visit isn’t the preventive service, the plan issuer may impose cost sharing for the office visit.
That’s no reason to keep a new symptom to yourself. Tell your provider what’s going on. If cost is a worry, call your insurer before the visit and ask how they handle a problem that gets addressed at a preventive appointment.
Here’s how those rules shake out in practice. We built this table from the sources in its last column, with links right below it:
Table sources: HealthCare.gov preventive care benefits for adults, KFF Health News checkup billing article, ValuePenguin physical cost guide, and the Total Health insurance and pricing page.
What happens during an annual physical exam?
An annual physical is a head-to-toe check plus a conversation about your health. MedlinePlus’s Health Checkup page says regular checkups are different from appointments for sickness or injury, and they include physical exams as well as preventive care. Cleveland Clinic’s article on what to expect at your annual physical exam lists some of what you can expect your provider to do:
- Take your pulse.
- Listen to your heart and lungs.
- Check your mouth and ears.
- Feel your lymph nodes.
- Examine your skin.
- Look for swelling in your extremities.
That Cleveland Clinic article adds that, depending on the conversation you have during your appointment, your provider might also order blood tests to check your cholesterol and electrolyte or blood sugar levels. MedlinePlus says a complete blood count is often part of a routine checkup. As for timing, Cleveland Clinic’s Physical Examination article says a physical exam takes about 30 minutes to complete.
Names vary from office to office. The MedlinePlus checkup page lists annual checkup, annual physical examination, and routine physical examination as other names for the same visit. Medicare’s version is different: Medicare.gov’s yearly Wellness visits page calls it a conversation-based visit to create a prevention plan and says it isn’t a routine physical exam.
At Total Health, the health screenings on our services page cover evaluation and examination including history and physical to evaluate potential health concerns. That page also lists many CLIA waived on site tests, rapid EKG abilities on site, and on-site X-rays. Our primary care page sums it up: thanks to the on-site lab and X-ray, a lot of your care can happen in a single visit.
How often do adults need a physical?
It depends on your age and health, so ask your provider. The MedlinePlus Physical exam frequency page says even if you feel fine, you should still see your health care provider for regular checkups, and it advises you to talk with your provider about how often you should have checkups. In the Cleveland Clinic annual physical article, family medicine physician Daniel Allan, MD, says healthy people in their 20s and 30s can come in every two years or so, but beyond that, you should make it an annual habit. “Getting a physical should be a regular occurrence as you hit age 40 and up,” Dr. Allan advises.
Family medicine physician Neha Vyas, MD, makes the case for a regular provider in that same Cleveland Clinic article: “Even if you’re young and healthy, it’s important to establish care with a provider so you have someone who knows your history to go to when something comes up.” At Total Health, our primary care page notes that scheduling your ongoing primary care makes it easier to see the same provider each time, and walking in is always an option too.
How should you prepare for your physical?
A few minutes of prep makes the visit more useful. This list draws on MedlinePlus’s checkup tips, a Cleveland Clinic physical exam guide, and our own patient forms page:
- Review your family health history.
- Find out if you’re due for any general screenings or vaccines.
- Make a list of any medicines, vitamins, and supplements you take. Cleveland Clinic’s physical exam guide also suggests noting any prescriptions that need a refill.
- Write down the issues and questions you’d like to talk about, another MedlinePlus tip.
- Pack your insurance cards: the primary one, plus a secondary card if you carry one, as our patient forms page asks.
- First time with us? The patient forms page has a New Patient Visit form.
Ask whether you should fast when you call. MedlinePlus’s Fasting for a Blood Test page says you usually need to fast for 8 to 12 hours before a test, and your provider will tell you exactly how long to fast, depending on what test they’ve ordered. For cholesterol, the MedlinePlus Cholesterol Levels page puts it at 9 to 12 hours.
Can an urgent care near me do an annual physical?
Yes, if it’s an urgent care that also offers primary care, like Total Health. Typing urgent care near me because you want a place that handles yearly checkups too? Our Covington clinic is a walk-in urgent care that also does primary care, and its primary care page lists annual physicals and wellness exams. So the clinic you’d visit for a sinus infection can also be where you build a relationship with a local provider, one who gets to know you.
Where can I get a physical exam near me on the Northshore?
Total Health covers more than yearly checkups. Our exams and screenings services include several kinds of physicals:
- Annual physicals and wellness exams: part of primary care, alongside blood pressure checks, lab work and bloodwork, and routine follow-up.
- School and sports physicals: yearly physicals as required, with referral as needed for any abnormalities, and free for student athletes.
- DOT physicals: the medical examiner is nationally registered through FMCSA, and walk-ins are welcome. Under federal rule 49 CFR 391.45, any driver not medically examined and certified as qualified to operate a commercial motor vehicle during the preceding 24 months must be examined.
- Pre-employment physicals: full examinations provided based on company requirements. The EEOC’s pre-employment inquiries page says an employer can condition a job offer on passing a medical exam, but only if all new employees in the same job have to take the exam.
Employers, take note: our services page mentions that for yearly physicals, pre-employment physicals, and testing, discount contract pricing may be available. Call to learn more.
What makes a good place for a yearly physical near Mandeville, Madisonville, or Abita Springs? Look for hours that fit your week, a lab on site, prices you can see before you go, and a provider who’ll know your history next year. Total Health is open 7 days, keeps lab and X-ray on site, posts its self-pay visit price, and lists same-provider continuity as part of primary care. We serve Covington, Folsom, Franklinton, Abita Springs, Madisonville, Mandeville, St Benedict, and more.
What questions do people ask about an annual physical near me?
Yes. You don’t need an appointment, since the Total Health primary care page welcomes walk-ins. The same page notes that if you’d like the same provider year after year, scheduling ongoing primary care visits makes that easier. You can also send an appointment request through the Total Health contact page form. The front desk reviews it and contacts you about the appointment opening that suits your schedule best, though the contact page says the form does not guarantee an appointment.
About 30 minutes for the exam itself. Cleveland Clinic’s Physical Examination article says a physical exam takes about 30 minutes to complete. A provider might also order blood tests depending on your conversation, according to Cleveland Clinic’s annual physical article.
Only if your provider orders certain blood tests. The MedlinePlus Fasting for a Blood Test page says you usually need to fast for 8 to 12 hours before a test, and your provider will tell you exactly how long. For a cholesterol test, the MedlinePlus Cholesterol Levels page says you may need to fast for 9 to 12 hours.
Usually, yes. The MedlinePlus Health Checkup page lists annual checkup, annual physical examination, and routine physical examination as other names for a health checkup, and the Total Health primary care page groups annual physicals and wellness exams together under preventive care.
Yes, for student athletes. The Total Health pricing page lists the school and sports physical as free for student athletes, and the services page says these are yearly physicals as required, with referral as needed for any abnormalities.
Sometimes. The HealthCare.gov adult preventive care page puts cholesterol screening for adults of certain ages or at higher risk on its no-copay, no-coinsurance list, generally when an in-network provider does it. The ValuePenguin physical cost guide notes that other tests, such as a lipid panel or a complete blood count, could carry an extra charge. If you’re not sure your benefits will cover the visit, the Total Health pricing page suggests contacting your insurance company.
Need this year’s physical checked off? Our office is Suite A at 73015 Hwy 25, near where highways 190 and 25 meet, and the doors stay open from seven in the morning to seven at night all week. Want a self-pay estimate first? Call (985) 400-5370 during clinic hours.
Total Health Urgent Care team members prepared this annual physical guide for Northshore families. Jennifer Duncan, APRN, MSN, FNP-C, set up Total Health after more than 25 years in urgent care and emergency medicine. This page shares general health and coverage information, not a diagnosis or a benefits decision, so confirm coverage with your insurer and talk with a provider about what’s right for you.