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Free Health Checks in Your 40s

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Medicare fees are indexed on 1 July each year. Current as at July 2026 MBS.

Medicare funds two preventive health assessments for people in their 40s — a type 2 diabetes risk evaluation and a 45–49 health check. Here is who can have them, what they cover, and what they cost.

The quick version

If you are 40–49 and at high risk of type 2 diabetes (shown by the AUSDRISK tool), you can have a free diabetes risk evaluation with your GP, once every 3 years. If you are 45–49 and at risk of a chronic disease, you can have a free once-only health assessment. Medicare covers 100% of the fee, so at a bulk-billing practice there is no out-of-pocket cost.

Which check can I get?

Pick your age. This is general information about Medicare eligibility, not medical advice — your GP confirms what you qualify for.

The type 2 diabetes risk evaluation (ages 40–49)

Who: people aged 40 to 49 (inclusive) who are at high risk of developing type 2 diabetes, as shown by the Australian Type 2 Diabetes Risk Assessment Tool (AUSDRISK). You need to have completed AUSDRISK within the 3 months before the evaluation.
How often: once every 3 years.
What happens: your GP reviews the risk factors behind your score, checks for diabetes, and helps you plan ways to lower your risk. It is information and planning — not a diagnosis on its own.

The 45–49 health assessment

Who: people aged 45 to 49 (inclusive) who are at risk of developing a chronic disease (for example from family history, weight, smoking, blood pressure or cholesterol).
How often: once only.
What happens: a broader check of your health and risk factors, with a plan to help you stay well. If you are 45–49 and at diabetes risk, you may be eligible for both checks — your GP sorts this out.

What it costs

Medicare covers 100% of the schedule fee for these health assessments. At a bulk-billing practice there is no out-of-pocket cost. If the practice bills privately you may have a gap — ask reception when you book.

Check your type 2 diabetes risk (AUSDRISK) → What checks am I eligible for? (by age) → Heart Health Check (from age 30) → Find a bulk-billing GP → Have a 3-year-old? The Healthy Kids Check →
Related  MBS billing guide (for your GP)  •  75+ Health Assessment

This is general information about Medicare-funded health checks, not medical advice, and it does not replace your GP. Your practice confirms your exact eligibility at the time of your visit.