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.