Thank you. I clicked around all over that awful website and wasn't able to figure out how to see the next message in the chain.

If ace means it actively interferes with the quality of medical care provided while taking a statutory profit margin and adding Hughes administrative costs and nonsense, yes, it's ace.

An annual physical is typically covered, and he did used a tax free savings account tied to his insurance to pay for this.

I'm not sure why insurance would fully cover some sort of extra-thourough physical, when there have been studies suggesting the normal annual physicals show no benefit for younger people.