89281 CPT® code: payer coverage and prior authorization

Payer policies and prior authorization for 89281

14 of 14 payer prior-auth lists that name 89281 require prior authorization or set conditions: Aetna, Blue Cross Blue Shield of Arizona (AZ Blue), Humana, Molina Healthcare of Texas, Neighborhood Health Partnership, Oxford Health Plans, Surest, UnitedHealthcare.

PayerPlanStatePrior authConditionsSinceSource
Blue Cross Blue Shield of Arizona (AZ Blue)Federal Employee Program (FEP)AZprior auth under conditionsFEP Standard Plan onlySep 1, 2026Federal Employee Program (FEP) Prior Authorization Requirements Code List (Updated 09/01/2026)
Blue Cross Blue Shield of Arizona (AZ Blue)Teamsters group (TYW)AZprior auth requiredSep 1, 2026Teamsters Group Prior Authorization Requirements Code List (Updated 09/01/2026)
AetnaMedicare AdvantageAllprior auth requiredOct 1, 2026Participating provider precertification list for Aetna®
AetnaCommercialAllprior auth requiredOct 1, 2026Participating provider precertification list for Aetna®
HumanaOak Street HealthAllprior auth requiredOak Street Health (Humana): Prior Authorization List (PAL) Codes Under Management
Molina Healthcare of TexasExchangeTXprior auth requiredJan 1, 2025Marketplace Prior Authorization (PA) Code Matrix (Texas), effective July 1, 2026
Neighborhood Health PartnershipNeighborhood Health PartnershipFLprior auth requiredSep 1, 2026Prior authorization requirements for Neighborhood Health Partnership Effective September 1, 2026
Oxford Health PlansOxford Health PlansAllprior auth requiredOct 1, 2026Prior Authorization Requirements for Oxford Effective October 1, 2026
SurestSurest health plansAllprior auth requiredOct 1, 2026Prior Authorization Requirements for Surest Effective October 1, 2026
UnitedHealthcareUnitedHealthcare CommercialAllprior auth requiredOct 1, 2026Prior authorization requirements for UnitedHealthcare commercial plans Effective October 1, 2026
UnitedHealthcareUnitedHealthcare Individual Exchange plansAllprior auth under conditionsnot in NM, SC, WIOct 1, 2026Prior authorization requirements for UnitedHealthcare Individual Exchange plans Effective October 1, 2026
UnitedHealthcareUnitedHealthcare Mid-Atlantic Health PlansAllprior auth requiredOct 1, 2026Prior authorization requirements for UnitedHealthcare Mid-Atlantic Health Plans Effective October 1, 2026
UnitedHealthcareUnitedHealthcare West commercial plansAllprior auth requiredOct 1, 2026Prior authorization requirements for UnitedHealthcare West commercial plans Effective October 1, 2026
UnitedHealthcareUnitedHealthcare of the River ValleyAllprior auth requiredOct 1, 2026Prior authorization requirements for UnitedHealthcare of the River Valley Effective October 1, 2026

Payer coverage policies that name 89281

89281 appears in 19 coverage policies from Aetna, Anthem, Blue Cross & Blue Shield of Rhode Island, Blue Cross Blue Shield of Massachusetts, Blue Shield of California, Centene, Cigna, Health Care Service Corporation (BCBS IL, TX, OK, NM, MT), Premera Blue Cross, UnitedHealthcare.

PayerPolicyRole in policyReviewedDocument
AetnaInfertility (0327)covered if criteria are met (range 89250-89356)Jul 16, 2026payer document
AetnaInvasive Prenatal Diagnosis of Genetic Diseases (0358)not coveredMay 22, 2026payer document
AnthemAssisted Reproductive Technology (CG-MED-103)covered if criteria are metNov 6, 2025payer document
AnthemIntracytoplasmic Sperm Injection (ICSI) (CG-SURG-35)covered if criteria are metMay 14, 2026payer document
Blue Cross & Blue Shield of Rhode IslandExpanded Fertility Servicescovered if criteria are metDec 3, 2025payer document
Blue Cross & Blue Shield of Rhode IslandInfertility Servicescovered if criteria are metDec 3, 2025payer document
Blue Cross Blue Shield of MassachusettsAssisted Reproductive Servies Infertility Services (086)listed, no stancepayer document
Blue Shield of California| Reproductive Techniques (4.02.04)listed, no stancepayer document
CenteneAssisted Reproductive Technology (CP.MP.55)covered if criteria are metFeb 1, 2025payer document
CignaInfertility Services (0089)covered if criteria are metJun 15, 2025payer document
Health Care Service Corporation (BCBS IL, TX, OK, NM, MT)Reproductive Techniques and Immunotherapy for Recurrent Fetal Loss (OB402.023)
CPT Codes 55899, 58322, 58340, 58999, 76831, 82397, 83519, 83520, 86148, 86357,
listed, no stanceJan 1, 2026payer document
Premera Blue CrossInfertility and Assisted Reproduction Serviceslisted, no stanceMay 11, 2026payer document
UnitedHealthcarePreimplantation Genetic Testing and Related Services (CS160.N)
Related Services
listed, no stanceMay 1, 2026payer document
UnitedHealthcarePreimplantation Genetic Testing and Related Services (for Kansas Only) (CS160KS.03)
Related Services
listed, no stanceJun 1, 2026payer document
UnitedHealthcarePreimplantation Genetic Testing and Related Services (for Kentucky Only) (CS161KY.09)
Related Services
listed, no stanceMay 1, 2026payer document
UnitedHealthcarePreimplantation Genetic Testing and Related Services (for Nebraska Only) (CS160NE.F)
Related Services
listed, no stanceAug 1, 2026payer document
UnitedHealthcarePreimplantation Genetic Testing and Related Services (for New Mexico Only) (CS160NM.E)
Related Services
listed, no stanceMay 1, 2026payer document
UnitedHealthcarePreimplantation Genetic Testing and Related Services (for Pennsylvania Only) (CS160PA.L)
Related Services
listed, no stanceJul 1, 2026payer document
UnitedHealthcarePreimplantation Genetic Testing and Related Services (for Tennessee Only) (CS160TN.M)
Related Services
listed, no stanceJun 1, 2026payer document

Recent prior-auth changes

  • Jul 1, 2026: PA removed, Humana
  • Mar 1, 2026: PA removed, UnitedHealthcare
  • Sep 1, 2025: conditions changed, UnitedHealthcare
  • May 1, 2025: conditions changed, UnitedHealthcare
  • Dec 1, 2024: conditions changed, UnitedHealthcare

Medicaid fee-for-service

Prior authorization required or conditional in IN.

  • ND: $0.00 (physician), effective Aug 1, 2026
  • VT: $0.00 (outpatient_hospital_opps), effective Feb 1, 2026
  • WY: $75.35 (outpatient_hospital_apc, Ambulatory Surgical Centers), effective Apr 1, 2026

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.