1. Call your doctor's office to make an appointment. When the person scheduling the appointment asks the reason for your visit, mention the conditions or symptoms that are bothering you. Do not ask for a regular physical examination.
2. When you see your doctor at the visit, begin by explaining the problems or symptoms that have been bothering you.
3. During the visit, remind the doctor that you have not had a physical examination in a while (your medical records will tell the doctor exactly when) and ask if he could give you as broad an examination as possible related to the symptoms or complaints you have mentioned.
4. You might want to mention to the doctor your concern that the examination and testing should meet Medicare coverage requirements. Doctors are very experienced with Medicare coverage rules and know how to describe your examination and testing in a way that places it under the Medicare umbrella. But it's up to you to give your doctor the chance to do this by presenting the doctor with specific complaints rather than merely asking for a physical exam.


Another term for this clever little trick is "insurance fraud". Oh, wait, this is regarding Medicare. That then also makes it "filing a false claim with the government" and is therefore subject to the "False Claims Act". Physicians DON'T know about the rules - if they did, they'd tell you to make a separate appointment for the well visit and pay in cash.