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Many are surprised to find that Medicare does NOT cover an "annual routine physical exam". Unfortunately, most people only realize this after the fact, once they've received a big medical bill in the mail for a bunch of routine labs and tests that Medicare won't pay.

Best Medicare Supplement Plans:
Medicare Explained/Medicare 101:

Here is more information on the CPT codes that Medicare does recognize as associated with the Medicare Annual Wellness Exam (AWV), which IS covered at 100%:

G0438 – Annual wellness visit; includes a personalized prevention plan of service
(PPS), initial visit
G0439 – Annual wellness visit, includes a personalized prevention plan of service
(PPS), subsequent visit

G0468* – Federally qualified health center (fqhc) visit, ippe or awv; a fqhc visit that
includes an initial preventive physical examination (ippe) or annual wellness
visit (awv) and includes a typical bundle of medicare-covered services that
would be furnished per diem to a patient receiving an ippe or awv
99497 – Advance care planning including the explanation and discussion of
advance directives such as standard forms (with completion of such
forms, when performed), by the physician or other qualified health
care professional; first 30 minutes, face-to-face with the patient, family
member(s), and/or surrogate

99498- Advance care planning including the explanation and discussion of
advance directives such as standard forms (with completion of such
forms, when performed), by the physician or other qualified health care
professional; each additional 30 minutes (List separately in addition to
code for primary procedure