Call it what you will: a physical, a check-up, or a wellness exam. If you've got health insurance, your plan is required to cover one wellness visit per year. The trick about these physical exams is that their scope is very limited - if you refill a prescription or ask your doctor a detailed diagnostic question, it may be billed as a different type of visit, resulting in a hefty medical bill in your mailbox. Let's talk about the do's and don'ts of your annual check-up.