87481 CPT® code: payer coverage and prior authorization87481 appears in 13 coverage policies from Aetna, Blue Cross & Blue Shield of Mississippi, Blue Cross & Blue Shield of Rhode Island, Blue Cross Blue Shield of Massachusetts, Blue Cross NC, BlueCross BlueShield of South Carolina, Centene, Cigna, Premera Blue Cross.
| Payer | Policy | Role in policy | Reviewed | Document |
|---|---|---|---|---|
| Aetna | Diagnosis of Vaginitis (0643) | covered if criteria are met | Sep 25, 2026 | payer document |
| Aetna | Polymerase Chain Reaction Testing: Selected Indications (0650) | covered if criteria are met | Sep 10, 2026 | payer document |
| Blue Cross & Blue Shield of Mississippi | Identification Of Microorganisms Using Nucleic Acid Probes | covered if criteria are met | payer document | |
| Blue Cross & Blue Shield of Mississippi | Pathogen Panel Testing (L.2.04.456) | not covered | payer document | |
| Blue Cross & Blue Shield of Rhode Island | Sexually Transmitted Infections Testing — Professional | listed, no stance | payer document | |
| Blue Cross Blue Shield of Massachusetts | Identification of Microorganisms (555) | listed, no stance | payer document | |
| Blue Cross NC | Diagnosis of Vaginitis AHS - M2057 | listed, no stance | Apr 1, 2026 | payer document |
| Blue Cross NC | Onychomycosis Testing AHS - M2172 | listed, no stance | Apr 1, 2026 | payer document |
| Blue Cross NC | Professional Pathology Billing Requirements AHS – R2169 | listed, no stance (range 87003-87999) | Mar 1, 2024 | payer document |
| BlueCross BlueShield of South Carolina | Onychomycosis Testing (CAM 243) | listed, no stance | Apr 1, 2026 | payer document |
| Centene | Testing for Select Genitourinary Conditions (CP.MP.97) | not covered | payer document | |
| Cigna | Nucleic Acid Pathogen Testing (0530) | covered if criteria are met | Aug 15, 2026 | payer document |
| Premera Blue Cross | Onychomycosis Testing | listed, no stance | Oct 14, 2025 | payer document |
From payers' published prior-auth lists, coverage policies and state Medicaid fee schedules, updated Oct 16, 2026. The role is what the policy's own code table or text says about the code. Not a guarantee of coverage or payment; verify with the payer. CPT® is a registered trademark of the American Medical Association.