Concierge & Preventive Medicine

    Executive Health Physical: What's Included & 2026 Cost

    What's Included

    What's Included in an Executive Physical

    Core components across reputable programs: comprehensive metabolic and hormone bloodwork, advanced lipid testing (ApoB, Lp(a)), cardiac screening (resting and stress ECG, coronary calcium scoring, echocardiogram in many programs), age- and risk-appropriate cancer screening, body composition analysis (often DEXA), vision, hearing, and skin checks, and an extended physician consultation that turns results into a written prevention plan.

    Premium tiers add full-body MRI, cardiac CT angiography, genomic testing, VO2 max and fitness testing, cognitive assessment, and continuous-glucose-monitor setup. The defining feature isn't any single test — it is compression: a year's worth of specialist workups coordinated into one or two days with one accountable physician.

    Cost

    What an Executive Physical Costs in 2026

    Pricing spans a wide band depending on program depth, institution, and whether the evaluation is a one-time visit or part of an ongoing membership. The table above breaks down the five tiers commonly used in the U.S. market. The mainstream band sits at $2,000–$6,000; elite academic programs run higher; longevity-platform memberships replace the single-visit model entirely.

    Vs. Annual Checkup

    Executive Physical vs. Annual Checkup

    A standard annual physical is a 15–20 minute visit with basic labs, designed around insurance reimbursement. An executive physical inverts the model: hours of physician time, a test menu chosen for early detection rather than coverage rules, same-week results, and a written plan. The trade-off is cost — insurance rarely covers it — and the ongoing debate in preventive medicine about over-testing: broad screening in asymptomatic people can surface incidental findings that lead to follow-up procedures of uncertain benefit. A good program is physician-led precisely so testing is matched to age, family history, and risk rather than maximized for its own sake.

    Candidacy

    Who Should Get One — and How Often

    Strongest candidates: adults over 40, executives and founders whose schedules crowd out routine care, anyone with significant family history (cardiovascular disease, cancer), and patients beginning a longevity or performance program who need a true baseline. Most programs recommend annual repetition; every other year is reasonable for younger, lower-risk patients. Many concierge memberships bundle an executive physical into the annual fee — often the better economics for anyone already considering both (see our concierge medicine cost guide at /hautemd/costs/concierge-medicine-cost/).

    Selection

    How to Choose a Program

    Judge programs on physician depth rather than test-menu length: who reviews the results, what happens when something is found, and whether there is a real follow-up pathway to specialists. Confirm which components are evidence-based screening versus optional add-ons, ask how incidental findings are handled, and check whether results integrate with your ongoing physician — a stack of PDFs with no follow-through is the most common failure mode of cut-rate programs.

    Haute MD

    Executive Health Through Haute MD Physicians

    Haute MD's concierge and longevity physicians offer executive-physical-grade evaluations inside an ongoing physician relationship rather than as a one-off visit — meaning the diagnostics get acted on, repeated, and trended over years instead of becoming a binder on a shelf. Programs across Miami, New York, Los Angeles, San Francisco, Chicago, Dallas, and Aspen combine the standard executive-physical core (advanced bloodwork, cardiac screening, cancer screening, body composition) with optional add-ons (full-body MRI, cardiac CT, genomics, VO2 max) and a written prevention plan owned by your primary concierge physician. The directory lists program scope, included imaging, and pricing per practice.

    Frequently asked

    Common questions

    How much does an executive health physical cost?

    Most programs cost $2,000–$6,000 in 2026. Elite academic programs run $5,000–$11,000 at Mayo Clinic and up to $25,000 for Cleveland Clinic's premier packages, while longevity-platform memberships such as Fountain Life start around $10,500 per year. Budget-focused hospital packages exist from around $1,000.

    Is an executive physical covered by insurance?

    Generally no — these programs are priced as cash-pay precisely so the test menu isn't limited to what insurance reimburses. Some individual components (standard preventive screenings) may be billable, and some employers cover executive physicals as a benefit. HSA funds can often be applied to qualifying medical components.

    How long does an executive health exam take?

    Anywhere from four hours to two full days. Most hospital-based programs compress everything into a single day; elite academic programs like Mayo's typically run two days; longevity platforms operate as ongoing memberships with an intensive initial visit.

    What tests are included in an executive physical?

    Core programs include comprehensive bloodwork, advanced lipids, cardiac screening with stress testing and calcium scoring, cancer screening, body composition, and sensory exams. Premium tiers add full-body MRI, cardiac CT, genomic testing, VO2 max, and cognitive assessment.

    How often should I get an executive health exam?

    Annually for most patients over 40 or with significant risk factors; every other year is reasonable for younger, low-risk patients. The greater value comes from trend data across repeated exams, which is why membership-model programs emphasize ongoing monitoring.

    What is the difference between a regular physical and an executive physical?

    Time, depth, and coordination. A standard physical is a brief visit with basic labs shaped by insurance coverage; an executive physical is a half-day-to-two-day evaluation with an early-detection test menu, extended physician consultation, and a written prevention plan — typically self-paid.

    References

    Sources

    1. 1.Mayo Clinic Executive Health Program — Mayo Clinic, 2026.
    2. 2.Cleveland Clinic Executive Health — Cleveland Clinic, 2026.
    3. 3.Fountain Life APEX Membership — Fountain Life, 2026.
    4. 4.Cardiovascular Screening at Top US Hospitals — utility and overdiagnosis — JAMA Internal Medicine.
    5. 5.USPSTF Recommendations: Age-Appropriate Preventive Screening — U.S. Preventive Services Task Force.

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