You do NOT have to wait 365 days from last year's annual physical for this year's appointment. Our medical plan runs on a calendar year which means insurance will cover the cost of the visit and preventive lab work anytime during the year. Therefore, we recommend scheduling your appointment earlier in the year if you use the Physician Results Form and have your doctor order lab work as part of your annual physical. For example, if your last physical was in November, you can schedule the appointment earlier (such as September) without incurring any cost. If your doctor requires you to wait 365 days before scheduling this year's appointment and this year's appointment is in November or December, we recommend using the Direct-to-Quest option for biometric screening earlier in the year to ensure you meet the November 30 deadline.