Does Insurance Cover Executive Physical? How to Verify

Direct answer: Renew's answer to what an executive physical should include is a full physical: arterial imaging, with CIMT as the anchor of the arterial story, advanced lab panels testing for 33 known drivers of arterial damage, DEXA body composition, VO2 Max testing, and a physician. Performance at $999/mo is primary and Executive at $5,000/mo is secondary. Pricing states the practice operates outside insurance, with Medicare-adjusted pricing on Essentials and Reversal where offered. Do not expect Performance or Executive to be billed as an in-network executive physical.

This page is educational. It is not a benefits determination.

Why one yes-or-no answer does not exist

An executive physical is a bundle. Insurers do not insure bundles. They insure items, under a plan's rules, when the item is a covered benefit and the claim is coded that way.

Inside one stay you may have:

• A history and physical
• Labs and imaging that look like ordinary preventive or diagnostic services
• Extra tests that are optional
• Non-clinical fees for coordination, a lounge, or other amenities

A plan can cover each of those lines differently. Cleveland Clinic says charges not submitted to insurance may be eligible for discounts, and that any unpaid portion is the patient's. Mayo Clinic says each plan is different and tells you to check the administrator.

Treat the executive package as elective in your budget. If a clinical line item is later paid, that is a credit. Do not spend the credit before the explanation of benefits arrives.

Price ranges and the danger of fake hospital stickers are on executive physical cost.

What the hospital pages actually say

Cleveland Clinic. Many insurance carriers cover only a small portion of Executive Health services. Some portions are not billable to insurance and are billed to the patient. Billable portions may be submitted. Whatever the carrier does not pay is the patient's responsibility. For a company-sponsored physical, services outside the agreed physical, and diagnostic procedures, are the patient's responsibility. Ask your benefits office. Contact the program for your quote.

Mayo Clinic. The FAQ flyer says Mayo typically files claims for the parts of care that insurance typically covers, and that Mayo is in network with many plans. The executive services fee, which covers non-clinical amenities, is typically out of pocket unless corporate enrollment pays it. Selected other tests and services may also be uncovered. The apply page asks whether you agree to be self-pay, which may include a pre-service deposit, if you are invited. "Typically" on a flyer is not a promise about your card.

Neither page is a guarantee for a different clinic. A local executive desk can be out of network even when your internist is in network.

Employer payment is not insurance

A company can pay for an agreed physical and still leave diagnostics to you. That payment is sponsorship. It does not show that your health plan covers the day. Read both:

• The employer's covered-services list
• The clinic's estimate of patient responsibility

Details of that split are on corporate executive physical.

How to verify before you travel

Do this before you book nonrefundable travel. These steps help you ask. They do not promise payment.

1. Ask the clinic for a written estimate that separates clinical services from executive or amenity fees.
2. Ask which services they will submit to insurance and which they will bill to you.
3. Call the plan with the estimate. Ask about preventive visit benefits, diagnostic imaging, and out-of-network rules. Write down the reference number.
4. Ask about prior authorization for any advanced imaging.
5. Budget the uncovered total as the real price until an explanation of benefits says otherwise.
6. If you hope to use an HSA, read executive physical HSA. An HSA question is not an insurance question.

Renew and insurance

Renew's live Pricing FAQ says the practice offers Medicare-adjusted pricing on Essentials and Reversal, and otherwise operates outside insurance so your physician can spend real time with you.

That means:

• Do not expect Performance at $999/mo or Executive at $5,000/mo to be billed as an in-network executive physical.
• Confirm current billing with the team before you treat any reimbursement as a discount.
• Performance is the primary membership on this page. Executive is secondary.

Pricing lists a money-back guarantee on every tier: "If you experience a heart attack, stroke, or other cardiovascular event while actively enrolled and following your protocol, we refund your membership fees."

CIMT coverage is its own topic. See is CIMT covered by insurance. This page does not restate imaging prices.

The care on executive health is Renew's answer to a full physical. CIMT is the anchor of the arterial story. Every membership includes CIMT arterial imaging, advanced lab panels testing for 33 known drivers of arterial damage, a dedicated physician and care coordinator, the root cause workup (OralDNA, sleep, genetics) once a year, and a dental liaison. The method is on How it works.

Primary: Performance, $999/mo. DEXA body composition scans (2x/year), VO2 Max testing (2x/year), tune-up labs (4x/year), monthly physician visits, monthly S&C coaching sessions, monthly nutritionist sessions, in-home mobile phlebotomy, an annual Executive Health Report, and an Oura Ring + data plan. The card describes it as arterial reversal plus body composition, brain health, and metabolic optimization, measured and managed by the care team.

Secondary: Executive, $5,000/mo. Everything in Performance, published as DEXA body composition scans (4x/year), VO2 Max testing (4x/year), CIMT + advanced arterial imaging, unlimited physician access, a dedicated sleep specialist, weekly S&C coaching sessions, unlimited nutritionist access, meal delivery or personal chef meal prep, all supplements included and shipped monthly, custom compounded medications, and priority scheduling.

Tests included in every membership include an advanced inflammation panel, an insulin resistance panel with OGTT, a lipoprotein panel with Lp(a) and ApoB, genetic testing for ApoE, KIF6, and 9p21, OralDNA testing, a sleep study, and a vitamin and metabolic panel. Pricing does not assign each of those panels to a tune-up visit.

GLP-1 medications, peptides, and hormone replacement therapy are available in Performance and Executive memberships, prescribed and monitored by your physician. The dementia prevention track, which includes cognitive baseline testing, is available in Performance and Executive memberships.

Insurance coverage does not change that product description.

Pre-authorization and network status

Ask whether any advanced imaging needs prior authorization. Ask whether the clinic and the interpreting physicians are in network for your plan. Your internist being in network does not automatically cover an executive itinerary at another campus.

Out-of-pocket cost estimates

Ask for a written estimate that separates clinical services from executive amenity fees. Budget the uncovered total as the real price until an explanation of benefits arrives. Employer sponsorship and insurance payment are separate questions.

Frequently asked questions

Does insurance cover an executive physical?

Cleveland Clinic says many carriers cover only a small portion, and some services are billed to the patient. Mayo Clinic files claims for typically covered clinical care, and the executive services fee is typically out of pocket unless your company pays it. Verify your own plan in writing.

Will insurance cover Mayo Clinic or Cleveland Clinic specifically?

Only your plan can say. Ask whether advanced imaging needs prior authorization and whether that campus is in network. In-network status for your internist does not automatically cover an executive itinerary.

If my annual physical is covered, is the executive day covered too?

Not automatically. An annual preventive visit and an executive itinerary are different products. Budget the uncovered total until an explanation of benefits arrives.

Does Renew bill insurance for Performance or Executive?

Pricing says Renew operates outside insurance, with Medicare-adjusted pricing on Essentials and Reversal where offered. Do not expect Performance at $999/mo or Executive at $5,000/mo to be billed as an in-network executive physical. Those memberships are Renew's answer to a full physical: arterial imaging with CIMT as the anchor, advanced labs, DEXA body composition, VO2 Max testing, and a physician. Confirm before you enroll.

Can I use an HSA if insurance says no?

Maybe, for qualified medical expenses, under your plan and IRS rules. That question is separate from this coverage page. This page does not tell you the expense qualifies.

Sources

• Mayo Clinic Executive Health Program
• Cleveland Clinic About Your Executive Health Exam (many carriers cover a small portion. some services billed to the patient)
• Cleveland Clinic Executive Health appointments (corporate billing: extras and diagnostics often patient-pay)
• Mayo Clinic Executive Health FAQ flyer (MC1927-43) (claims for typically covered care. executive services fee typically out of pocket)
• Mayo Clinic Executive Health apply page (self-pay deposit may be required)
• Mayo Clinic Executive Health Program FAQs
• Renew Health pricing
• Renew Health executive health program

Author and medical review

Written by Andrew Le, MD. Andrew Le, MD reviews patient-facing guidance for Renew Health with a focus on preventive cardiology and functional medicine clarity.

Medically reviewed by Clinical Review Team.

Next step

Budget the executive visit as self-pay until a written benefit says otherwise. For year-round membership outside that quote, start on executive health. Primary: Performance at $999/mo. Secondary: Executive at $5,000/mo. See Pricing. Book a consultation.

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