Why would I be charged for an annual physical if it is covered?

If you raise a new or ongoing problem during the physical, the doctor can bill a separate problem-focused visit (99212–99215) in addition to the preventive code. That second visit is subject to your normal copay or deductible.

Does the age band change the price?

Yes. Preventive codes are split by age (under 1, 1–4, 5–11, 12–17, 18–39, 40–64, 65+) and rates generally rise with age because the visit covers more screenings.

California · Annual physical

How much does an annual physical cost in California?

The median negotiated rate for a periodic preventive medicine visit (annual physical), established patient, ages 40–64 (CPT 99396) among 340 California primary care doctors with published rates is $210, ranging from $83 to $281. UnitedHealthcare in-network rates, February 2026.

$210

Median · CPT 99396

$83

Lowest listed

$281

Highest listed

340

Doctors reporting

About This Visit

Annual physicals and well-child visits are billed as preventive medicine visits, coded 99381–99387 for new patients and 99391–99397 for established patients. The specific code depends on the patient’s age.

Under the Affordable Care Act, in-network preventive visits are covered with no copay or deductible on almost all plans. The negotiated rate is still useful to know: if the doctor addresses a new problem during the physical, that portion can be billed as a separate office visit that you may owe money for.

Rates by Visit Code

Visit	Median	Lowest	Highest	Doctors
Initial preventive medicine visit, new patient, infant under 1 year CPT: 99381	$217	$37	$217	51
Initial preventive medicine visit, new patient, ages 1–4 CPT: 99382	$192	$85	$225	127
Initial preventive medicine visit, new patient, ages 5–11 CPT: 99383	$200	$83	$200	92
Initial preventive medicine visit, new patient, ages 12–17 CPT: 99384	$225	$75	$225	78
Initial preventive medicine visit (annual physical), new patient, ages 18–39 CPT: 99385	$219	$93	$262	263
Initial preventive medicine visit (annual physical), new patient, ages 40–64 CPT: 99386	$238	$108	$295	240
Initial preventive medicine visit (annual physical), new patient, age 65 and older CPT: 99387	$175	$116	$269	36
Periodic preventive medicine visit, established patient, infant under 1 year CPT: 99391	$157	$31	$195	176
Periodic preventive medicine visit, established patient, ages 1–4 CPT: 99392	$176	$37	$217	258
Periodic preventive medicine visit, established patient, ages 5–11 CPT: 99393	$176	$66	$235	283
Periodic preventive medicine visit, established patient, ages 12–17 CPT: 99394	$182	$73	$237	196
Periodic preventive medicine visit (annual physical), established patient, ages 18–39 CPT: 99395	$188	$77	$237	287
Periodic preventive medicine visit (annual physical), established patient, ages 40–64 CPT: 99396	$210	$83	$281	340
Periodic preventive medicine visit (annual physical), established patient, age 65 and older CPT: 99397	$226	$72	$246	89

Computed across California doctors listed on this site who report the code. Wellness visits and physicals. Under most plans preventive visits are covered in full with no copay. Yearly wellness visits for existing patients, billed by age band.

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By City

Median across doctors listed on this site in each city. Cities with at least three doctors reporting the code.

City	Annual physical, age 18–39 (99395)	Annual physical, age 40–64 (99396)	Doctors
San Francisco	$229$80–$229	$244$189–$244	19
Fullerton	$185$185–$185	$198$198–$198	18
San Diego	$110$110–$185	$281$120–$281	17
Mission Viejo	$185$157–$185	$198$167–$198	16
Long Beach	$197$197–$197	$210$210–$210	11
Fremont	$229$229–$229	$175$175–$244	10
Los Angeles	$232$185–$237	$223$198–$249	10
Oakland	$229$229–$229	$244$244–$244	10
Bakersfield	—	$145$145–$145	9
San Jose	$183$183–$183	$196$196–$196	9
Torrance	$197$197–$197	$210$210–$210	9
Covina	$197$197–$197	$210$210–$210	8
Santa Barbara	$175$175–$175	$229$229–$229	8
Walnut Creek	—	$222$222–$222	8
Anaheim	$197$185–$197	$210$198–$210	7
Fresno	$217$217–$217	$233$233–$233	7
Newport Beach	$185$127–$185	$167$105–$198	7
Pasadena	$197$185–$197	$210$198–$210	7
Santa Rosa	$185$163–$185	$198$198–$198	7
Yorba Linda	$185$185–$185	$198$198–$198	7
Brea	$185$185–$185	$198$198–$198	5
Huntington Beach	$185$185–$197	$198$198–$210	5
Napa	$185$142–$185	$198$198–$198	5
San Ramon	—	$222$222–$222	5

Lowest and Highest

335 doctors report CPT 99396. Full lists for each city are on the city pages.

Lowest negotiated rates

Dr. Kausalya Bhaskarabhatla, MD
Antioch
$83
Dr. Sultan Chopan, MD
Oroville4.6(10)
$101
Dr. Pamela De Silva, MD
Palmdale3.5(28)
$105
Dr. Bradley Kays, MD
Newport Beach4.8(14)
$105
Dr. Patrica Schechter, DO
Atascadero
$105
Dr. Martha Lozano, MD
Chula Vista3.0(183)
$120
Dr. Keven Tagdiri, MD
Encinitas4.9(155)
$120
Dr. Elahe Toulouie, MD
La Mesa2.3(62)
$120
Dr. Farzaneh Hassani, MD
Vista5.0(24)
$120
Dr. Billie Green, MD
San Diego4.2(21)
$120

Highest negotiated rates

Dr. Lee Remington-Boone, MD
La Mesa
$281
Dr. Adam Pacal, MD
San Diego
$281
Dr. Scott Mercer, MD
Encinitas
$281
Dr. Stephen Lee, MD
San Diego
$281
Dr. Aristotelis Laliotis, MD
Del Mar
$281
Dr. Carlos Jimenez-Grillo, MD
Chula Vista
$281
Dr. Robert Holmes, MD
San Diego
$281
Dr. Lisa Gleason, MD
Del Mar
$281
Dr. Sarah Coskun, MD
San Diego
$281
Dr. Farschad Birdjandi, MD
Chula Vista
$281

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Questions

What is the average cost of a periodic preventive medicine visit (annual physical), established patient, ages 40–64 in California?: Across 340 California primary care doctors with doctor-level rates, the median UnitedHealthcare negotiated rate for CPT 99396 is $210, ranging from $83 to $281.
Why would I be charged for an annual physical if it is covered?: If you raise a new or ongoing problem during the physical, the doctor can bill a separate problem-focused visit (99212–99215) in addition to the preventive code. That second visit is subject to your normal copay or deductible.
Does the age band change the price?: Yes. Preventive codes are split by age (under 1, 1–4, 5–11, 12–17, 18–39, 40–64, 65+) and rates generally rise with age because the visit covers more screenings.