I've gotten a physical exam every year for I don't even remember how long.. forever. There was never any question that it was covered by whatever insurance I had at the time.

A couple of months ago I got a bill for $180 from my primary-care doctor's office. I called them to find out just what that was for. I was told they didn't know and I had to check with the billing company. (And how weird is THAT? but I digress..)

So I called them and was told it was for the physical exam I'd had a couple of months before.. neither Medicare nor my Medicare-supplement insurance cover routine physicals now.

In other words, preventive care is no longer on the menu.