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Medicare Payment & RVU Calculator

Calculate Medicare reimbursement and Relative Value Units (RVUs) from CPT codes. Estimate payment amounts, track physician productivity, and optimize billing with 2026 rates.

Database
667
CPT Codes
Coverage
17
Specialties
2026 Rate
$32.35
Per RVU (CF)
CMS Official Data
Direct from Medicare Physician Fee Schedule
2026 Rates
Current conversion factor: $32.3465/RVU
GPCI Adjustments
Geographic practice cost index included
Conversion Factor: Calculations use the precise 2026 Medicare conversion factor of $32.3465 per RVU. Marketing materials may show $32.35 (rounded) for simplicity.
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Add CPT codes to calculate total RVUs and estimated revenue

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Try these examples:

99214office visitinjectionG0438

What are RVUs?

Relative Value Units (RVUs) are a measure of value used in Medicare reimbursement for physician services. Each CPT code has an assigned RVU value that reflects the resources required to perform that service.

Three Components of RVUs

Work RVUs

Physician time, effort, skill, and stress required to perform the service. The largest component of total RVUs.

Practice Expense

Overhead costs including staff, equipment, supplies, and facility expenses. Varies by setting (facility vs non-facility).

Malpractice RVUs

Professional liability insurance costs. Typically the smallest component, varies by specialty and risk level.

How Medicare Payment is Calculated

Payment = Total RVUs × Conversion Factor × GPCI

Total RVUs: Sum of Work + Practice Expense + Malpractice RVUs

Conversion Factor (2026): $32.35 per RVU (national average)

GPCI: Geographic Practice Cost Index (0.85 to 1.15 typical range)

Common Use Cases

  • Physician Productivity Tracking: Measure work effort independent of coding mix or payer rates
  • Practice Management: Analyze productivity by provider, specialty, or service line
  • Compensation Planning: Many practices pay physicians based on wRVU targets (e.g., $50-75 per wRVU)
  • Financial Forecasting: Estimate revenue from service volume and RVU values
  • Capacity Planning: Calculate total RVUs per day to assess clinical workload

Important Notes

RVU values are updated annually

CMS reviews and adjusts RVU values each year based on changing practice costs, new procedures, and resource utilization. Always verify current values for billing and compensation purposes.

Example Calculations

Primary Care Typical Half Day

3× 99214 (Established patient, moderate complexity)

2× 99213 (Established patient, low complexity)

1× 99215 (Established patient, high complexity)

Work RVUs: (3 × 1.5) + (2 × 0.97) + (1 × 2.11) = 8.55 wRVU

Total RVUs: 12.20 RVU

Est. Revenue: ~$395

Cardiology Consultation + Procedures

1× 99204 (New patient, moderate complexity)

1× 93000 (Electrocardiogram, complete)

1× 93306 (Echocardiography, complete)

Work RVUs: 2.6 + 0.17 + 1.35 = 4.12 wRVU

Total RVUs: 5.83 RVU

Est. Revenue: ~$189

Preventive Annual Wellness Visit (Medicare)

1× G0439 (Annual Wellness Visit, subsequent)

1× G0444 (Depression screening, PHQ-9)

Work RVUs: 1.5 + 0.18 = 1.68 wRVU

Total RVUs: 2.38 RVU

Est. Revenue: ~$77

Note: Revenue estimates use the national average conversion factor ($32.35 for 2026) and do not include geographic adjustments or payer-specific rates. Actual reimbursement varies by location and insurance contract.

Frequently Asked Questions

What is an RVU (Relative Value Unit)?

RVUs are standardized units that represent the relative complexity and resources required for a medical procedure. One RVU = work performed + practice expense + malpractice insurance. Medicare multiplies total RVUs by the conversion factor ($32.35 in 2026) to determine payment.

What is the 2026 Medicare conversion factor?

The 2026 Medicare conversion factor is $32.35 per RVU. This converts relative value units into actual dollar payments. CMS updates this annually in December based on legislative caps.

How do I calculate Medicare reimbursement?

1) Enter the CPT code. 2) The calculator shows work RVUs, practice expense RVUs, and malpractice RVUs. 3) Add all RVUs together. 4) Multiply total RVUs by the conversion factor ($32.35 in 2026). Result = estimated Medicare payment.

What's the difference between work RVU and practice expense RVU?

Work RVU = physician time, skill, and effort (about 52% of payment). Practice Expense RVU = cost of equipment, staff, supplies (about 45% of payment). Malpractice RVU = insurance cost (about 3% of payment).

Is the calculator accurate?

This calculator uses the official CMS Medicare Physician Fee Schedule. It's accurate for estimating Medicare payments. Actual reimbursement varies by: geographic location, carrier, and specialty. Use this as a reference, not final billing guidance.

Can I use this to bill commercial insurance?

No. Commercial insurance uses different fee schedules. This calculator is Medicare-specific. Your contracted rates with Aetna, UnitedHealth, etc. are usually different from Medicare.

What is the geographic practice cost index (GPCI)?

GPCI adjusts Medicare payments based on geographic location. Some areas have higher practice costs (labor, rent, malpractice). CMS applies these adjustments to the conversion factor automatically.

Do RVUs change annually?

Yes. CMS reviews and adjusts RVU values each January based on the Medicare Physician Fee Schedule. The conversion factor is updated in December. Always verify current values with official CMS sources.

How can I track physician productivity?

Use total RVUs per physician per day to measure productivity. Track this over time to identify trends. Compare across specialties using benchmarks from MGMA, AMSSM, or specialty societies.

What if a code has modifiers?

Modifiers change how codes are paid. For example, -25 allows separate E/M billing. -50 is bilateral (both sides). Check with your billing team or coding compliance officer about modifier-specific RVU adjustments.

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Next Steps

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