When should I start to make appointments for routine physicals for my school-aged child?

Once your child reaches the age of three, most insurance plans will cover only one physical a year. Some insurance companies only cover physicals once every two or three years. Many insurance plans will only cover your physical if it has been at least one full year since your last physical. Therefore, be sure to check with your insurance company before you schedule an appointment. Always confirm coverage. That way you will not be charged for a visit because you did not know it was not covered.