What billing level should I charge for a wellness exam for a 65-year-old patient with Medicare supplemental insurance?

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Last updated: February 4, 2026View editorial policy

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Medicare Wellness Visit Billing

For a 65-year-old patient with Medicare supplemental insurance, you should bill using Medicare-specific G-code G0438 for the initial Annual Wellness Visit (AWV) or G0439 for subsequent annual visits—never use standard preventive care codes (99381-99397), as Medicare does not reimburse these codes for wellness visits. 1

Correct Billing Codes for Medicare Wellness Visits

  • Use G0438 for the initial "Welcome to Medicare" preventive visit or first AWV 2, 1
  • Use G0439 for subsequent annual wellness visits in following years 2, 1
  • Do NOT bill standard preventive care codes (99381-99397), as Medicare specifically does not reimburse these codes for wellness visits 1

When You Can Bill Additional Services

If the visit becomes medically complex and requires significant problem-focused evaluation beyond the wellness visit scope, you can bill an additional evaluation and management (E/M) code (99212-99215) alongside the wellness visit code using modifier 25 1

Additional Billable Services During the Same Visit:

  • Cognitive or developmental screening (CPT 96110) can be added with an appropriate modifier 1
  • Separate E/M services for acute or chronic disease management can be billed with modifier 25 when documentation supports the additional complexity and time spent 3, 1
  • The American Academy of Family Physicians confirms that modifier 25 should be used on the wellness visit code when billing a separate E/M service on the same day 1

Critical Documentation Requirements

Your documentation must clearly distinguish between the wellness visit components and any additional problem-focused care to justify billing both codes 1. The wellness visit focuses on health risk assessment, personalized prevention planning, and screening for cognitive impairment—not comprehensive physical examinations 1, 4

Key Components That Must Be Documented for AWV:

  • Comprehensive health risk assessment including medical and family history 2, 4
  • Medication review of all prescription and over-the-counter medications 2, 4
  • Cognitive screening using validated tools 2, 4
  • Immunization status verification 2, 4
  • Screening for geriatric syndromes including falls risk, depression, and functional status 2
  • Social determinants of health assessment 2, 4
  • Personalized prevention plan based on identified risk factors 4

Common Billing Pitfalls to Avoid

  • Never substitute a brief physical examination for the comprehensive preventive services that Medicare covers and expects 2, 4
  • Do not neglect cognitive screening—this is a required component that can increase detection rates two to threefold 2
  • Ensure you're using G-codes, not CPT preventive codes, as this is the most common billing error for Medicare wellness visits 1
  • Document time spent if billing based on time for any additional E/M services, ensuring documentation supports the level of care and complexity 3

Medicare Supplemental Insurance Considerations

For patients with Medicare supplemental insurance (Medigap), the supplemental plan typically covers any copayments or deductibles that Medicare Part B doesn't cover for the AWV 3. The primary billing should still go through Medicare using the G-codes, with the supplemental insurance covering any patient responsibility 3.

References

Guideline

Medicare Wellness Exam Billing Guidelines

Praxis Medical Insights: Practical Summaries of Clinical Guidelines, 2025

Guideline

Comprehensive Health Risk Assessment for Elderly Males

Praxis Medical Insights: Practical Summaries of Clinical Guidelines, 2026

Guideline

Guideline Directed Topic Overview

Dr.Oracle Medical Advisory Board & Editors, 2025

Guideline

Annual Wellness Visit Guidelines

Praxis Medical Insights: Practical Summaries of Clinical Guidelines, 2026

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Professional Medical Disclaimer

This information is intended for healthcare professionals. Any medical decision-making should rely on clinical judgment and independently verified information. The content provided herein does not replace professional discretion and should be considered supplementary to established clinical guidelines. Healthcare providers should verify all information against primary literature and current practice standards before application in patient care. Dr.Oracle assumes no liability for clinical decisions based on this content.

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