The Medicare annual wellness visit is one of the most searched benefits in Original Medicare, and one of the most misunderstood. Many people expect it to include a full physical exam and a round of blood work. According to Medicare.gov, it is “a conversation-based visit” that is not a routine physical exam, and it does not specifically list lab tests as part of the visit.
So which blood tests does Medicare actually cover, how often, and what might you pay? This guide separates the visit from the screenings that are covered on their own, so you know what to ask before your appointment.
What the Medicare annual wellness visit includes
The visit is designed to create or update a personalized prevention plan. Medicare.gov says it can include a health risk assessment questionnaire, routine measurements such as height, weight and blood pressure, a review of your medical and family history and current prescriptions, and a cognitive assessment for signs of dementia. You also receive a written checklist of recommended screenings, vaccines and other preventive services.
It is available once every 12 months. Your first visit cannot take place within 12 months of enrolling in Part B or of a “Welcome to Medicare” preventive visit. If your provider accepts assignment, you pay nothing for the visit itself, and the Part B deductible does not apply to it.
One catch matters for your wallet. If a routine physical exam or extra services that Medicare does not cover under this benefit are added during the same appointment, you may owe the full amount for them.
Blood tests Medicare covers on their own
Because the wellness visit does not itself list lab work, the blood tests you may want are covered through separate preventive benefits. The table below summarizes three of them, based on the corresponding Medicare.gov pages.
| 筛查 | Who qualifies | 检测频率 | Your cost if the provider accepts assignment |
|---|---|---|---|
| Cholesterol, lipid and triglyceride tests | Covered as a Part B preventive service | Once every 5 years | Nothing |
| Diabetes screening (glucose or A1C tests) | People your provider determines are at risk, based on listed risk factors | Up to 2 per year | Nothing |
| Hepatitis C screening | Provider order required; people born from 1945 to 1965, or at high risk | Once in a lifetime for those born from 1945 to 1965 who are not high risk; yearly in some high-risk situations | Nothing |
For diabetes screening, Medicare.gov lists the qualifying risk factors. You need at least one of these: high blood pressure, a history of abnormal cholesterol or triglyceride levels, obesity, or a history of high blood sugar. Or you need two or more of these: age 65 or older, being overweight, a family history of diabetes, or a history of gestational diabetes.
Other amounts can still apply depending on other insurance you hold, what your doctor charges and where the test is done.
Other lab tests ordered during the year
Outside these screenings, Medicare Part B covers clinical diagnostic lab tests that are medically necessary and ordered by your doctor. In Original Medicare you usually pay nothing for Medicare-approved tests, as long as the lab meets Medicare requirements. This article describes Original Medicare, so check your own plan if you are on a different type of coverage.
The practical takeaway: a test ordered because of a symptom or a condition follows the lab-test rules, while a test done to screen a healthy person follows the preventive rules, with their own frequency limits. If a result comes back and you want to understand it, our explainer covers how to read a 血脂检查, and a second one covers the 综合代谢指标.
Latest scientific advances: why the lipid test earns its place
A global analysis published in August 2026 in JAMA, part of the Global Burden of Disease 2023 project, estimated how much heart disease and ischemic stroke is linked to high LDL cholesterol. It is a modeling study built on hundreds of studies and on randomized trials, not a trial run on participants.
Its authors describe LDL as a modifiable risk factor. Age-adjusted rates have fallen since 1990, yet the total number of cases keeps rising as populations grow and age, and measurement gaps remain. What this means for you: knowing your LDL is a useful reference point for a prevention conversation, but this study says nothing about your personal target. Your clinician sets that with you.
How to prepare for your visit
- Bring your list of current medications and any recent lab results.
- Write down family history of diabetes, heart disease or cancer.
- Ask which preventive tests you are due for and how long ago your last cholesterol and glucose tests were.
- Ask whether any service planned for the day falls outside the wellness benefit, so there are no surprises on the bill.
If you already have results and want context on timing, see why trends matter in blood test results over time.
何时应该去看医生
The wellness visit does not replace a visit for new symptoms. Contact your doctor if a test result falls outside the reference range, if you notice unexplained weight loss, fatigue or increased thirst, or if your clinician recommends a screening. For chest pain, trouble breathing or sudden unusual symptoms, call 911.
词汇表
- Assignment: an agreement by a provider to accept the Medicare-approved amount as full payment.
- Personalized prevention plan: a written plan with recommended screenings and preventive services.
- 血脂检测: a blood test measuring cholesterol fractions and triglycerides.
- A1C: a blood test reflecting average blood sugar over recent weeks.
- Original Medicare: Parts A and B, as distinct from private plan alternatives.
- Preventive service: a screening or counseling service aimed at finding or avoiding disease early.
常见问题
Is the Medicare annual wellness visit a physical exam?
No. Medicare.gov describes it as a conversation-based visit and says it is not a routine physical exam.
Does the Medicare annual wellness visit include blood tests?
Medicare.gov does not specifically state that lab tests are part of the visit. Blood screenings are covered through separate preventive benefits.
How often can I have a wellness visit?
Once every 12 months, with your first visit not within 12 months of enrolling in Part B or of a Welcome to Medicare visit.
How often does Medicare cover a cholesterol test?
Once every 5 years as a preventive service, at no cost if your provider accepts assignment.
Does Medicare cover diabetes blood tests?
Yes, for people at risk, up to two screenings per year, covering glucose or A1C tests.
What if I am charged for my visit?
Ask whether a service outside the wellness benefit, such as a routine physical exam, was added to the appointment.
来源
- Medicare.gov: Yearly “Wellness” visits
- Medicare.gov: Cardiovascular disease screenings
- Medicare.gov: Diabetes screenings
- Medicare.gov: Hepatitis C screenings
- Medicare.gov: Clinical laboratory tests
- GBD 2023 LDL Cholesterol Collaborators. Global Burden of Elevated LDL-C. JAMA, 2026 (via PubMed)
其他文章
- Browse our guide to a 综合血液检查套餐.
- Check what a 全血检查 includes.
- Learn the A1C numbers in this A1C conversion chart.
- Read about prediabetes and heart risk.
- 了解 whether to fast before a blood test.
借助AI DiagMe，读懂您自己的血液检测结果
Before your appointment, 通过AI DiagMe解读您的化验结果: a clear explanation of each value, reviewed by a committee of physicians, so you arrive prepared.
