The physical is something I've always had to do when I just got insurance. I haven't had insurance in over a year, so I didn't have a doctor. The insurance requires you to have a physical to establish a doctor with your insurance plan, then they can do whatever. It is only a one time thing. But I have only had insurance a very, very short time right now. I can't do anything without establishing an actual doctor. The insurance won't cover urgent care or anything. The issue I am having is getting a doctor to do the physical and look at my shoulder on the same day, which the insurance allows. My insurance is also being shaky because while I was without I landed myself in the hospital and got a $4000 bill that I am still paying off (and they never did find out what was wrong with me then). I'm partly being punished for not having any insurance.