I am at a family practice where one of my physcians does well woman exams. I had a patient come in on 10/12/10 for her annual physical. When the insurance was contacted on 10/11/10 to verify benefits for her annual physical, they stated it was covered at 100%. The physician had her schedule a well woman exam on 11/29/10. Both visits were coded as 99395. Annual physical dx was V70.0 and well woman was V72.31. Her insurance paid for the well woman but denied the physical stating it was bundled. The insurance is processed following BCBS guidelines. Should I have coded the well woman as a G0101, Q0091 with dx V72.31? or do these commercial insurances only cover one or the other if they are both done in the primary care setting?