SelfPayRates
Cash prices Illinois Outpatient

Annual physical cost in Illinois without insurance

In Illinois, the median cash price for Annual physical, returning 18–39 is $183.45 across 34 hospitals, from $29.66 to $415.00. The lowest is at Loretto Hospital (Chicago). The US median is $132.32.

Illinois law (Hospital Uninsured Patient Discount Act, 210 ILCS 89): an uninsured Illinois resident with family income up to 600% of the federal poverty level (300% at rural and critical access hospitals) can apply for a discount that brings the bill down to about 135% of the hospital's cost; up to 200% (125% at rural hospitals) medically necessary care is free. A hospital may collect no more than 25% of family income in 12 months. Ask the billing office for the application. Other states' laws.

A yearly physical is billed with a preventive visit code chosen by your age group and whether you are a new or returning patient. The listed price covers the checkup itself; lab work, vaccines and screening tests ordered at the visit are billed separately, and discussing a new or ongoing problem can add a separate office visit charge.

Collected Nov 10, 2026 One price per hospital: its lowest outpatient cash price for the code

Annual physical prices in Illinois by type

Pick the row for your age and status: 99385–99387 are for new patients (ages 18–39, 40–64, and 65 and older) and 99395–99397 for returning patients in the same age bands. The state table uses 99395, a returning patient aged 18 to 39.

ProcedureHospitalsRangeMedianUS median
Annual physical, age 18–39 Preventive checkup, new patient aged 18–39 · code 99385 34 $49.44–$415.00 $243.85 $147.38
Annual physical, age 40–64 Preventive checkup, new patient aged 40–64 · code 99386 34 $49.44–$415.00 $241.75 $163.95
Annual physical, age 65+ Preventive checkup, new patient aged 65 or older · code 99387 26 $49.44–$426.60 $217.35 $173.04
Annual physical, returning 18–39 Preventive checkup, returning patient aged 18–39 · code 99395 34 $29.66–$415.00 $183.45 $132.32
Annual physical, returning 40–64 Preventive checkup, returning patient aged 40–64 · code 99396 31 $49.44–$415.00 $204.80 $148.35
Annual physical, returning 65+ Preventive checkup, returning patient aged 65 or older · code 99397 31 $49.44–$435.00 $224.80 $151.85
Procedure The service and its billing code (CPT or HCPCS). Opens the comparison of every hospital that prices it. More
Hospitals How many hospitals publish a cash price for this code here. Each hospital counts once, at its lowest outpatient cash price.
Middle 80% Cash prices of most hospitals: a tenth of hospitals charge less than the first number (P10), a tenth charge more than the second (P90). More
Median The middle cash price: half of the hospitals charge less, half charge more. One price per hospital. More
US median The median cash price across all US hospitals that publish one for this code.

Outpatient cash prices in Illinois. Each hospital counts once, at its lowest cash price for the code; prices for both sides of the body and inpatient prices are not mixed in. Pick a procedure to compare every hospital in the state.

Lowest Annual physical, returning 18–39 prices in Illinois

Annual physical cost by metro area in Illinois

Annual physical cost in other states

Paying cash: what to do

  • Ask which lab tests are usually ordered at the physical, and get their self-pay prices by code too, including the blood draw.
  • If you want a specific symptom or condition looked at, ask whether it will be billed as a separate visit, or book it as its own appointment.
  • Ask whether the clinic offers a flat cash package that includes the exam and basic labs; some clinics and direct primary care practices do.