Obtaining Flight Physical with Health Insurance?

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BPM

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DFW, Texas
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BPM
Looking for advice on how to obtain a flight physical using my employee provided health insurance. I assume a "normal" annual physical is covered under my plan (united health).

Is there a way to have an annual physical that contains the flight testing aspects done in a way that is covered by insurance?

Bonus if anyone can recommend a doctor or clinic in Dallas.
 
BPM said:
Looking for advice on how to obtain a flight physical using my employee provided health insurance. I assume a "normal" annual physical is covered under my plan (united health).

Is there a way to have an annual physical that contains the flight testing aspects done in a way that is covered by insurance?

Bonus if anyone can recommend a doctor or clinic in Dallas.
Click to expand...

Use Basic Med! I have never been able to get a Flight Physical through my health insurance.


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Not sure, but in my experience, our health insurance did NOT cover a class 3 medical exam.
 
It's usually under $100 for a flight physical, I wouldn't think any typical health insurance company is going to go out of their way for a voluntary Class 3 physical.
 
Maybe if your AME is also your primary care physician...otherwise it’s not something insurance companies pay for...basic med would be a better shot if they will even do it
 
When I was going to an AME for a third class, my insurance wouldn’t pay. Now I use my annual physical with my PCP for Basic Med and it’s covered.
 
Last edited:
OP...is your health plan an HMO or PPO? usually with an HMO your primary care doc must issue a referral in order for you to see a specialist...aka AME. if your plan is a PPO you should be able to see any doc at anytime. a lot will depend on IF the AME accepts your insurance and how the AME codes the exam.

that being said paying out-of-pocket for Basic Med is likely the path of least resistence for you.
 
Related question: can I [legally] pay for my flight physical with funds from my HSA?
 
Basic Med get my annual physical out of the way and my BM too for free.
 
Basic Med with Kaiser... I get one exam each year.. $25.00 co-pay
 
I have known AMEs who will do this, but you are shorting yourself out of a comprehensive physical with your MD.
 
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