SelfPayRates
Cash prices New York Outpatient

Annual physical cost in New York without insurance

In New York, the median cash price for Annual physical, returning 18–39 is $202.38 across 64 hospitals, from $28.95 to $13,425.00. The lowest is at Cobleskill Regional Hospital (Cobleskill) and 3 other hospitals. The US median is $132.32.

New York law (Public Health Law §2807-k(9-a), as amended in October 2024): uninsured patients with income below 200% of the federal poverty level owe nothing for emergency and medically necessary hospital care; up to 400% they pay on a sliding scale of at most 10% or 20% of what Medicaid would pay. Emergency care is covered for New York residents, other care for people living in the hospital's service area; immigration status does not count. Ask for the Uniform Hospital Financial Assistance form. 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 8, 2026 One price per hospital: its lowest outpatient cash price for the code

Annual physical prices in New York 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 66 $32.00–$12,839.00 $202.27 $147.38
Annual physical, age 40–64 Preventive checkup, new patient aged 40–64 · code 99386 64 $32.04–$36,991.00 $224.97 $163.95
Annual physical, age 65+ Preventive checkup, new patient aged 65 or older · code 99387 56 $32.04–$19,234.00 $256.76 $173.04
Annual physical, returning 18–39 Preventive checkup, returning patient aged 18–39 · code 99395 64 $28.95–$13,425.00 $202.38 $132.32
Annual physical, returning 40–64 Preventive checkup, returning patient aged 40–64 · code 99396 65 $31.00–$18,482.00 $234.62 $148.35
Annual physical, returning 65+ Preventive checkup, returning patient aged 65 or older · code 99397 62 $33.00–$15,052.00 $203.82 $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 New York. 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 New York

Annual physical cost by metro area in New York

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.