[runako]

Just coming to add that if it's been 7 years of no checkups, you are possibly getting into the age bracket where routine checks can make meaningful differences in longevity and quality of life.

Highly recommend not going through middle adulthood without at least having annual physicals.

There are a lot of things that happen to bodies that are easy to treat if you know about them soon enough.

It sounds like you may need help using your insurance; call the insurer from the physicals office if the office won't call the insurer. Healthcare in the US is a tremendous administrative burden on us all, but overall it is still necessary.