There's no way my insurance would pay for random "I don't think anything's wrong but I want to look for something anyway" outside of yearly physicals either.
Yearly physical == check up. Same thing. Going to the doctor once a year for a general check that you aren't developing any issues that you weren't aware of yet and to monitor your health.
I don't have either. I haven't seen a doctor for about five years I think, under the NHS system.
If I phoned my NHS GP and said 'it's been a year I'd like you to generally check my physical health' they'd tell me to fuck off.
I'm not a doctor but that doesn't seem often enough for an older person. I'm an American in my 30's and I just had a checkup, and my doctor told me to come back every two years. Of course the American system is pretty awful in its own ways, especially for those who are uninsured.
Preventative care is $0 as a part of the ACA and reputable physicians are included.
Similar to the UK, my in laws in Canada can’t get annual physicians scheduled either - there needs to be something wrong before a doctor will take an appointment.
I'm glad ACA coverage is available but it can be pretty expensive. I paid somewhere in the range of $300-350 per month as a healthy young person. Some of my friends went without insurance for years because they simply couldn't afford it.
There's no way my insurance would pay for random "I don't think anything's wrong but I want to look for something anyway" outside of yearly physicals either.