I assume you are in a high deductible plan (HDP)? They don’t pay anything until you hit ~$4k/person, then 80% until OOP maximum of $7k for a family. But yes,

I assume you are in a high deductible plan (HDP)? They don’t pay anything until you hit ~$4k/person, then 80% until OOP maximum of $7k for a family. But yes, a physical should have been 100% covered. Yeah, so between my employer and I, it is $20k for my HDP for family of 4. Then I sock away the HSA max of $7k every year to pay for the actual costs (including dental, which I don’t have).