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    v1.0.30
    OpenPayerBilling CodesBasic Life and/or Disability Evaluation ServicesCPT cpt-99450-insurance-eligibility-basic-exam
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    CPT 99450: Basic Medical Exam for Insurance Qualification

    CPT code 99450 describes a basic medical examination performed to determine eligibility for an insurance policy; the service type is an insurance qualification/medical clearance exam, typically provided in an office or clinic setting and documented as a focused assessment of general health to support underwriting or policy issuance.

    For related coverage guidance, see recent payer policy updates: Automated Ambulatory Blood Pressure Monitoring for Diagnosis of Hypertension in Patients with Elevated Office Blood Pressure, Cardiology - Ivabradine, Cardiac Computed Tomography (CCT)/Coronary Computed Tomographic Angiography (CCTA).

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    Clinical & Coding Specifications

    Clinical Context

    A middle-aged applicant presents to a primary care clinic to complete a basic physical examination required for new life insurance and disability underwriting. The visit focuses on age-appropriate review of systems, vitals (blood pressure, pulse, height, weight), focused cardiovascular and pulmonary exam, brief neurological screen, documentation of medical history, current medications, and confirmation of immunization and tobacco use status. The provider documents findings, completes the insurer’s preprinted form, and provides a brief statement of fitness for insurance underwriting. Typically no diagnostic testing is performed during the visit; if limited testing (for example, point-of-care glucose) is done, it is incidental and documented separately. This encounter is usually billed from an outpatient clinic, occupational medicine office, or an independent medical examination site for the purpose of qualifying for an insurance policy, and is typically brief and focused rather than comprehensive preventive care.

    Related CPT Codes

    CPT CodeDescriptionRelationship to This Procedure
    99450Basic examination required to qualify for an insurance policyPrimary code describing this focused insurance qualification exam.
    99381Initial comprehensive preventive medicine evaluation, new patient; infant/childPerformed when a more comprehensive preventive exam is required instead of a basic insurance exam.
    99382Initial comprehensive preventive medicine evaluation, new patient; adolescentAlternative comprehensive exam code for younger patients when required by insurer.
    99383Initial comprehensive preventive medicine evaluation, new patient; adultUse if insurer requires a comprehensive adult preventive visit rather than a basic exam.
    99456Work-related or medical-legal evaluation with reportUsed when a more detailed occupational or medicolegal evaluation and report are requested alongside or instead of a basic insurance exam.

    Related Modifiers

    6 rows

    ModifierDescriptionWhen to Use
    26Modifier 26 (Professional Component) identifies and bills only the professional portion of a split service — the physician’s interpretation, report, and medical judgment — when the technical…- Use CPT Modifier -26 when you are billing only the professional component (PC) of a split‑bill eligible service—i.e., you performed the physician interpretation, medical judgment and prepared a…
    52Modifier ‑52 (Reduced Services) indicates that a service or procedure was partially reduced or omitted at the provider’s discretion, allowing reporting of the basic procedure number with a qualifier…- Use modifier -52 when a physician or qualified health professional electively reduces or omits part of a procedure or service (for example, performing fewer required views or omitting a portion of…
    53Modifier 53 (Discontinued Procedure) signals that a surgical or diagnostic service was begun by the physician but terminated because of extenuating circumstances that threatened the patient’s…- Use modifier -53 when a physician/qualified healthcare professional has started a surgical or diagnostic procedure (e.g., anesthesia administered, incision or scope insertion) and then discontinues…
    55Modifier –55 indicates the billing provider furnished only postoperative management for a procedure that has a global surgical period. According to AAPC, this modifier is appended to the same CPT…- Use modifier -55 when billing the same CPT surgical code that has a 10- or 90-day global period and you, as a provider other than the original surgeon, furnished ONLY postoperative management (no…
    56Modifier ‑56 indicates the reporting provider furnished only the preoperative management for a surgical procedure and did not perform the intraoperative or postoperative care. It is used in…- Use Modifier -56 when a provider performs only the preoperative management in a split‑care situation (one physician manages preop care while a different physician performs the intraoperative…
    95Modifier 95 indicates that a service was provided via synchronous, real‑time audio‑video telehealth rather than in‑person. Per CMS, AAPC and professional associations, append modifier 95 to claim…- Use modifier 95 to indicate a service was furnished via synchronous, real‑time audiovisual telehealth (a live audio‑video conference between patient and provider) rather than in‑person. - Pair…

    Related Provider Taxonomies

    8 rows

    Taxonomy Code
    207Q00000X
    207R00000X
    207L00000X
    208D00000X
    208U00000X
    103K00000X
    281P00000X
    163WM1400X

    Related ICD-10-CM Codes

    29 rows

    ICD-10-CM CodeDescription
    E11.9Type 2 diabetes mellitus without complications
    E78.5Hyperlipidemia, unspecified
    F17.200Nicotine dependence, unspecified, uncomplicated
    G47.33Obstructive sleep apnea (adult) (pediatric)
    H52.4Presbyopia
    H81.10Benign paroxysmal vertigo, unspecified ear
    I10Essential (primary) hypertension
    K21.9Gastro-esophageal reflux disease without esophagitis
    L03.90Cellulitis, unspecified
    M25.50Pain in unspecified joint

    Showing 1–10 of 29

    Related Payer Policy Updates

    Specialty: Cardiology1 / 3

    10 rows

    PolicyPayerEffective Date
    Automated Ambulatory Blood Pressure Monitoring for Diagnosis of Hypertension in Patients with Elevated Office Blood PressureBluecross Idaho2026-11-01
    Cardiology - IvabradineCigna2026-10-15
    Cardiac Computed Tomography (CCT)/Coronary Computed Tomographic Angiography (CCTA)univerahealthcare2026-10-15
    Percutaneous Ventricular Assist DeviceUnitedHealthcare2026-10-01
    Cardiovascular Disease Risk AssessmentOscar Health2026-10-01
    Biomarkers for Myocardial Infarction and Chronic Heart FailureOscar Health2026-10-01
    Multiple Procedure Payment Reduction for Diagnostic Cardiovascular ProceduresBlue Cross Blue Shield - Maine2026-10-01
    Left Atrial Appendage Closure Devicesexcellus_health_plan_inc2026-09-17
    Left Atrial Appendage Closure Devicesuniverahealthcare2026-09-17
    Cardiac Omnibus CodesCigna2026-09-15

    Related Codes

    CPT-99451-INTERPROFESSIONAL-REMOTE-CONSULTATION-WRITTEN-REPORT

    CPT 99451: Interprofessional Telephone/Internet/EHR Consult, ≥5 Minutes

    CPT-99452-INTERPROFESSIONAL-COMMUNICATION-30-MINUTES

    CPT 99452: 30-Minute Interprofessional Telephone or Electronic Consultation

    Frequently Asked Questions

    References

    1. 1.CPT® Codes and Descriptions. AAPC. Retrieved Aug 11, 2026.Maintains the CPT code set's official descriptions and guidelines, licensed from the American Medical Association, used as the definitional source for CPT codes on this page.
    2. 2.HCPCS Quarterly Update. Centers for Medicare & Medicaid Services (CMS). Retrieved Aug 11, 2026.CMS's quarterly release of HCPCS Level II codes and short/long descriptors, the source for HCPCS code definitions and update history.
    3. 3.ICD-10-CM Full Code List. Centers for Medicare & Medicaid Services (CMS). Retrieved Aug 11, 2026.CMS's complete ICD-10-CM diagnosis code list, used to cross-reference diagnosis codes associated with this procedure or service.
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