Radiant Primary Care • Millburn, NJ
Insurance & Billing at Radiant Primary Care
What you pay depends on why you’re coming in. Here’s how it usually works for annual physicals, sick visits, follow-ups, Medicare, and self-pay patients.
✓ 9 Insurance Plans Accepted
✓ $0 Physicals With Most Plans
✓ Medicare Wellness Visits
✓ Clear Self-Pay Prices
✓ Help Verifying Coverage
What You’ll Pay
It Depends on Why You’re Coming In
- In-network insurance$0 ★No copay or deductible with most plans.
- Original Medicare$0 ★For the yearly Annual Wellness Visit. A routine head-to-toe physical isn’t covered by Medicare ($225 self-pay).
- No insurance$225Self-pay price for an annual physical.
- Plan with a copayYour copayThe set amount on your insurance card or plan.
- High-deductible planDeductibleYou pay your plan’s rate until your deductible is met, then coinsurance.
- Original MedicareDeductible + 20%The Part B deductible first, then 20% coinsurance.
- No insurance$100–$175$175 new-patient visit · $125 follow-up · $100 telehealth follow-up.
Some older (grandfathered) plans and out-of-network care may charge a copay or deductible for a physical. Your own plan decides the final amount.
Insurance & Billing
Insurance Plans We Accept
✓ Medicare
✓ Railroad Medicare
✓ Aetna
✓ Meritain Health
✓ Clover Health
✓ Cigna
✓ Blue Cross Blue Shield
✓ United Healthcare
✓ Oscar Health Insurance
Self-Pay Pricing for Uninsured Patients
$175
New Patient Visit
$125
Established Follow-Up
$225
Annual Physical
$100
Telemedicine Follow-Up
Don’t see your plan listed? Contact us — we’re happy to help verify your coverage.
Copays, Deductibles and Coinsurance, Explained
Copay: a set amount you pay for a visit, such as $30, decided by your insurance plan.
Deductible: the amount you pay for covered care each year before your plan starts paying. High-deductible plans apply it to most visits.
Coinsurance: your share of the cost after your deductible is met, such as 20%.
Most insurance plans pay for preventive care, like your annual physical and recommended screenings, before you’ve met your deductible. Visits for a new problem, an ongoing condition, or a follow-up — including telehealth visits — use your copay or deductible.
Screening labs done as part of your physical are usually covered at no cost. Labs ordered to look into a symptom or check on a condition use your plan’s regular cost-sharing.
Not sure what your plan covers? We’re happy to help verify your coverage before your visit — call (973) 309-6192 or email info@radiantprimarycare.com. New to Radiant? See what to expect as a new patient.
Billing Questions
Is my annual physical free?
With most in-network insurance plans, yes. Preventive care like an annual physical is covered with no copay or deductible. Some older (grandfathered) plans and out-of-network care may charge one. Without insurance, an annual physical is $225.
Why did I get a bill after my physical?
Usually because a new or ongoing problem was also treated during the visit, or labs were ordered to look into a symptom. Those parts are billed as problem-focused care, so your copay or deductible applies. Call us at (973) 309-6192 and we’ll walk you through it.
Does Medicare cover an annual physical?
Medicare covers a yearly Annual Wellness Visit at no cost, which focuses on prevention planning. A routine head-to-toe physical isn’t covered by Original Medicare; the self-pay price is $225. Sick visits and follow-ups use the Part B deductible, then 20% coinsurance.
What insurance do you accept?
We accept Medicare, Railroad Medicare, Aetna, Meritain Health, Clover Health, Cigna, Blue Cross Blue Shield, United Healthcare, and Oscar Health Insurance. Don’t see your plan? Contact us and we’ll help verify your coverage.
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