Annual physical, returning 65+ cost in Panama City, FL
In Panama City-Panama City Beach, FL, 1 hospital lists a cash price for preventive checkup, returning patient aged 65 or older: from $59.20 to $59.20, with a median of $59.20. Across Florida, the median is $197.60 at 8 hospitals.
Cash prices at 1 facility for code 99397, as an outpatient — the setting a self-pay patient normally buys. Collected Sep 29, 2026; the hospital files themselves were last updated between May 19, 2026 and May 19, 2026.
Hospitals, cheapest first
| Hospital | Cash price | List price | Insurers pay | Off list | File date |
|---|---|---|---|---|---|
| Northwest Florida Community Hospital Chipley, FL · (850) 638-1610 PHYSICAL PREVENTATIVE EST 65+ | $59.20 | $74.00 | $14.20–$85.10 | 20% | May 19, 2026 source file |
Outpatient: lowest $59.20, median $59.20, highest $59.20.
Cash or insurance?
At the one hospital here that publishes insurer rates for this code, the cash price is below the highest rate a health plan has negotiated. If you have insurance but have not met your deductible, you usually pay your plan's negotiated rate, which falls somewhere in the "Insurers pay" column. Paying cash can cost less, but a cash payment usually does not count toward your deductible. Ask the hospital for both numbers before you book.
What it is
This is a yearly preventive checkup for a returning patient aged 65 or older. It includes a review of health history and medicines, a physical exam, counseling and ordering age-appropriate screenings.
What the price covers
The price covers the preventive visit itself. Lab tests, vaccines and screening tests ordered during the visit are billed separately, and treating a new problem at the same visit may add a separate office visit charge.