Documentation is different. I strongly believe every chart should be level 5, unless something like suture removal/wound check. It really isn't that hard with EMR to ask your 10 ROS questions, and be able to listen to heart, lungs, abdomen, and pick out the others from just a cursory glance (mucus membranes, neck full ROM, pupils equal, able to converse, neuro grossly intact, etc). Hell, I can document a level 4 standing at a door without ever touching someone.
But billing, that's up to the coders. Nobody will ever tell you E codes, V codes, etc. Just put as many diagnoses as you can think of. Someone well versed in ICD 9/10 will be much better at it than you ever will.
Truthfully, at most places, someone other than you should scribe in PMH, PSH, SH, and FH. At the place I moonlight, the nurses do it. Yeah, I ask it to make sure something isn't missed, but I don't have to input 12 meds, 10 diagnoses, etc.