Why won’t my insurance company pay for my daughter’s physical that she needs for summer camp?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 15, 2021

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Like getting your teeth cleaned, check-ups are only covered on schedule. You may be asking for one too soon after her last one. 2. You may be going out-of-network or not using the check-up facilities of the carrier (some carriers own their own labs, for example). 3. Assuming you are timely and in-network, the doctor may have “coded” the physical as something other than routine, so it might have been applied to the deductible (assuming your plan covers physicals before applying the deductible). 4. You might have a plan covering physicals after the deductible and she may have not yet met the deductible for this calendar year.

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