---
title: "UnitedHealthcare ABA coverage in Iowa: the intake guide."
url: "https://carelu.com/payers/unitedhealthcare-iowa"
markdown_url: "https://carelu.com/payers/unitedhealthcare-iowa.md"
state: IA (Iowa)
payer: UnitedHealthcare in Iowa
kind: Commercial insurance
description: "How UnitedHealthcare (Optum Behavioral Health) covers ABA for Iowa families: Optum's ABA clinical criteria and reimbursement policy (modifiers, the 32-unit 97153 daily edit, concurrent billing), telehealth limits, the Iowa autism mandate after H.F. 330, and Iowa prior-authorization deadlines."
last_reviewed: October 2026
---

# UnitedHealthcare ABA coverage in Iowa: the intake guide.

_Payer Guide · UnitedHealthcare · Iowa · Last updated October 2026 · 14 primary sources_

> Optum ABA criteria (1–2 hrs supervision per 10 direct), 32-unit 97153 daily edit, telehealth only for supervision/caregiver training; Iowa mandate.

UnitedHealthcare's behavioral health benefits, ABA included, are administered by Optum. For an Iowa family that means Optum's Supplemental Clinical Criteria for ABA (policy BH803ABASCC, interim review April 2026) and its commercial ABA reimbursement policy, on top of Iowa's autism mandate where the plan is large-group or public-employee. Funding type decides whether the mandate applies.

## Prior authorization and diagnosis at a glance

- **Prior auth for the assessment**: Required — Optum's ABA FAQ: "All services require prior approval"; the Supplemental Clinical Criteria require PA for ABA unless contract or law says otherwise [3][1]
- **Prior auth for treatment**: Required — "Prior authorization is required for ABA (unless otherwise specified or mandated by contract or law)"; in-network BH providers submit through Optum Forms on Provider Express or by fax/phone per the member ID card. Reviews: “At a minimum, most treatment reviews are required every 4-6 months depending on the account/state law” (Optum ABA CPT FAQ) [10][1][5]
- **Autism diagnosis required?**: Yes — a DSM-5-TR ASD diagnosis (or other diagnosis required by governing law) by a state-licensed physician, psychologist or other qualified clinician, confirmed with at least one clinically validated tool [1]

## At a glance

- **Covers ABA?:** Yes — for ASD, per Optum's ABA Supplemental Clinical Criteria
- **State mandate:** Iowa Code § 514C.31 (large group, more than 50 FTEs, and non-state public employers) and § 514C.28 (State of Iowa employee plan)
- **Mandate age:** No age limit for plans issued or renewed on/after 1/1/2026 (H.F. 330 struck under-19 and under-21 limits)
- **Mandate caps:** None since 1/1/2026: H.F. 330 struck the $36,000/$25,000/$12,500 age-banded ABA maximums; no visit limits; § 514C.22 bars annual/lifetime limits on ASD benefits
- **Exempt from mandate:** Individual and small-group (50 or fewer FTEs) plans are outside § 514C.31; self-funded ERISA plans (preempted)
- **Licensure:** Licensed behavior analyst / assistant behavior analyst under Iowa Code ch. 154D (Board of Behavioral Health Professionals)

## Optum's criteria, applied in Iowa

Optum requires "a valid diagnosis of ASD (or other applicable diagnosis as required by governing laws)" from "a state licensed physician, psychologist, or other state licensed clinician qualified to make such diagnosis," with the DSM-5 diagnosis and severity level "confirmed and documented by the diagnosing clinician using at least one clinically validated tool," from screening tools such as the M-CHAT to formal diagnostic tools such as the ADI-R, ADOS-2 and DISCO. The ABA provider must be a BCBA or a licensed behavioral health clinician credentialed for ABA; technicians should be RBTs "or another appropriately certified behavior technician as allowable by state mandate." Direct case supervision "is required 1–2 hours for every 10 hours of direct treatment per week." ABA is not covered for "1:1 aid delivered simultaneously during classroom instruction, or services covered under the Individuals with Disabilities Education Act (IDEA)," though school coordination, teacher training and school observations are. [1]

## The Iowa mandate after H.F. 330

Iowa Code § 514C.31 requires large-group plans (employers with more than 50 full-time-equivalent employees) and non-state public-employee plans to cover ABA for autism under a treatment plan; § 514C.28 covers the State of Iowa employee plan. For plans issued or renewed on or after January 1, 2026, H.F. 330 removed the age limits and dollar caps and barred annual or lifetime limits on autism benefits (§ 514C.22). Cost sharing and prior authorization remain allowed; treatment-plan reviews are limited to once every three months in year one and every six months after. Individual, small-group and self-funded plans are outside the ABA mandate. [6][7][15][8]

## Billing, licensure and rates

Optum's commercial ABA reimbursement policy (2022RP501A, updated June 2026) requires a credential modifier on every line: HM for an RBT, HN for a BCaBA, HO for a master's-level BCBA or licensed mental health provider, HP for a BCBA-D; only one per line. It allows up to 32 units a day of 97153, and 97153/97154 may be billed with 97155 concurrently "as long as the criteria in the descriptors of both codes are met." Iowa licenses behavior analysts under chapter 154D on proof of current BACB (or accredited) certification; technicians are exempt paraprofessionals working under a licensed analyst's direction. Commercial rates are negotiated and not published. [2][16]

## Does UnitedHealthcare (Optum) require treatment-plan goals in a set format, such as by DSM-5 criteria?

Optum sets goal content and priorities, not a DSM-5 template. Its ABA Supplemental Clinical Criteria (BH803ABASCC, interim review April 2026) require "Treatment goals and objectives that are comprehensive and clearly stated," "Outcome-oriented interventions targeting specific baseline behaviors," and behaviors "tied to objective and quantifiable treatment goals that have baseline data, measurable progress, and projected timeframes for completion." Goals are to be "prioritized to address behaviors that threaten the safety of the client or others or create a barrier to quality of life," then skills fundamental to health and social inclusion; when goals are met, "new goals should be identified based on targeted symptoms and behaviors." DSM-5-TR appears in the diagnosis requirement, not as a way to organize goals. [1]

## Does UnitedHealthcare (Optum) require parent training, and how many hours?

Optum says parent training is required but sets no number. Its CPT-code FAQ (BH00083-24-FAQ, 01/2024): "Is parent training covered? Parent training is required. Bill 97156 or 97157 depending on the format of parent training," and, asked "Is there a minimum or maximum of what can be billed for parent training?", answers "It is based on the treatment plan and goals provided." The Supplemental Clinical Criteria call for a "systematic, individualized curriculum on ABA fundamental concepts" — "not accomplished by simply having the caregiver or guardian present during treatment" — and for the plan to describe parent goals with progress and "the percentage of planned sessions attended." The only numeric ceiling is the commercial reimbursement policy's maximum frequency per day: 16 units (4 hours) each for 97156 and 97157. [10][1][2]

## Claims: filing deadline and disputes

UnitedHealthcare’s ABA benefit is managed by Optum Behavioral Health, whose National Network Manual (effective September 1, 2026) requires everything needed to process a claim to reach Optum “no more than 90 calendar days from the date of service, or as allowed by state or federal law or the member’s specific benefit plan,” with corrections within 90 days of first receipt. Clean, authorized claims are “generally” paid within 45 calendar days of receipt or as state or federal law requires. Disputes run in two steps — reconsideration, then appeal — with 12 months in total for both unless state law or your participation agreement sets a different deadline. [2][5][4]

Optum’s National Network Manual (effective September 1, 2026) also sets the payment clock: claims with all required information and any required authorization "will be paid within 45 calendar days after Optum receives the claim, or as required by state and federal laws," which may exclude claims needing a coordination-of-benefits determination, and when Optum is secondary it pays up to the Optum contracted rate. UnitedHealthcare’s 2026 administrative guide adds that a corrected claim (frequency code 7, with the original claim number) must arrive within the same timely-filing limit as the original. No weekly payment cycle or submission cutoff is published. [2][5][4]

Which codes: Optum’s commercial ABA reimbursement policy (2022RP501A, updated June 2026) lists the reimbursable codes for the commercial ABA program as 97151–97158, 0362T and 0373T, each in 15-minute units with a credential modifier (HM, HN, HO or HP); no HCPCS H-code (H0031, H0032, H2014, H2019) is on that list. [2][5][4]

## How fast must UnitedHealthcare pay a clean claim in Iowa?

Iowa requires insurers and HMOs to “either accept and pay or deny a clean claim” (Iowa Code § 507B.4A), and the Insurance Division’s rule sets the clock: within 30 days after the insurer receives the claim, with any request for information needed to make it clean due within the same 30 days (191 IAC 15.32(2)). A clean claim not paid within 30 days carries 10% annual interest from the thirty-first day. The rule applies to policies issued, delivered or renewed in Iowa. These statutes bind fully insured plans issued in the state; a self-funded employer plan (ERISA) is not subject to them and follows its plan documents and your contract. [13][14]

## What must a UnitedHealthcare ABA reauthorization request contain, and are graphs required?

Optum’s ABA Supplemental Clinical Criteria (interim review April 2026) say that "With each clinical review for continued ABA treatment, the provider must submit updated documentation" showing progress "for each targeted symptom and behavior, including progress toward defined goals, including the same modes of measurement that were utilized for baseline measurement." Progress "should include rate and percentage of mastered programs, rates of mastered targets, change scores for any outcome measures, updated standardized adaptive measures, and change scores for skills-based assessments," with movement from baseline shown on validated, norm-referenced assessments and, where applicable, the caregiver’s own progress. Inadequate progress over six months calls for an analysis of the reasons and modified interventions, and the review looks at use below 80 percent of authorized hours over two weeks. The criteria do not require graphs as such. [1]

## Intake gates

The questions that decide whether a family can start with UnitedHealthcare in Iowa, and what they have to bring.

- **Who may diagnose**: "A state licensed physician, psychologist, or other state licensed clinician qualified to make such diagnosis according to the diagnostic criteria based on the DSM-5-TR." [1]
- **Diagnostic tools required**: "At least one clinically validated tool (not an all-inclusive list)": first-level screening tools (ABC, CHAT/M-CHAT, CSBS-DP-IT Checklist, ASQ, AQ, CAST), second-level tools (CARS/CARS-2, RITA-T, STAT), or formal diagnostic tools (ADI-R, ADOS/ADOS-2, DISCO). Treatment intensity must be set with a validated measurement tool such as ATEC, VB-MAPP, ABLLS-R, AFLS, PEAK, SSIS, RBS-R, SRS, Vineland or CFQL-2. [1]
- **Telehealth**: Three codes, after an attestation. Optum’s Telehealth Billing guide (updated September 2025) is explicit for commercial plans: “For ABA services, telehealth is only allowed for these 3 CPT codes: 97155, 97156 or 97157” — virtual supervision of technicians and family training — so technician-delivered 97153 is not payable by telehealth, and neither is the 97151 assessment or the technician-assisted 97152: plan the assessment in person. The provider must first be “an approved Optum virtual visits provider who has attested” (the virtual-visits attestation on Provider Express) and must tell the ABA Care Advocate at authorization. Bill the in-person code with the member’s location as the place of service: POS 10 when the member is at home, POS 02 anywhere else (the older ABA CPT FAQ says POS 02; the 2025 guide requires one of the two on every behavioral-health telehealth claim, and POS 11 or a telehealth modifier alone is not paid). Optum’s criteria add that telehealth is “not intended to supplant in-person service.” [11][10][1]
- **Other insurance (who pays first)**: Optum: "You are responsible for determining if the member has other insurance coverage. If so, you should bill the primary insurance carrier first," and "If Optum is a secondary plan, you will be paid up to the Optum contracted rate," with no balance billing for the difference. Iowa's COB rule governs fully insured plans: the plan of the parent whose birthday falls earlier in the calendar year is primary for a child of married or cohabiting parents. With Medicaid, UnitedHealthcare pays first (42 CFR 433.139); TRICARE pays after ("TRICARE last pay," 32 CFR 199.8); "CHAMPVA is the last payer to OHI" (38 CFR 17.276(d)). [4][18][19][20][21]
- **Age limit** _(plan-dependent)_: Optum's criteria set no age limit. The legal layer: plans subject to § 514C.31 or § 514C.28 issued or renewed on or after 1/1/2026 have no mandate age limit; plans renewed earlier keep the old limits until renewal; individual, small-group and self-funded plans follow their plan documents. [6][8]
  - Ask the plan: Optum ABA/Autism team at the behavioral health number on the member ID card: confirm funding type, group size and renewal date.
- **Diagnosis recency** _(plan-dependent)_: No fixed window is published. The FAQ says members "need to have an updated DSM-5 diagnosis of Autism Spectrum Disorder to be eligible"; the criteria do not define "updated" in months. [3]
  - Ask the plan: The Optum ABA Care Advocate at authorization: ask how old a diagnostic evaluation may be.
- **Referral required?** _(plan-dependent)_: Optum's criteria state no referral requirement. Where Iowa's mandate applies, the ABA follows a treatment plan developed by a licensed physician or licensed psychologist after a comprehensive evaluation (§ 514C.31). The statute defines "treatment plan" as one "developed by a licensed physician or licensed psychologist after a comprehensive evaluation or reevaluation performed in a manner consistent with the most recent clinical report or recommendations of the American academy of pediatrics." It sets no expiry on the plan, but caps how often the carrier may review it: "not more than once every three months during the first year of the treatment plan and not more than once every six months during every year thereafter," unless the plan and the treating physician or psychologist agree otherwise. [6]
  - Ask the plan: The member's benefit document; UnitedHealthcare plans that require referrals say so on the card.
- **Prior-auth decision time** _(plan-dependent)_: Optum publishes no commercial ABA decision clock; retrospective reviews are decided "within 30 calendar days of receipt of the request" and must be requested within 180 days of service. Fully insured Iowa plans follow Iowa Code 514F.8 (48 hours urgent, 10 calendar days non-urgent, 15 days complex; approvals valid at least 90 days). Self-funded plans follow ERISA (15 days, one 15-day extension; 72 hours urgent). For more units mid-authorization, call the ABA team with clinical rationale before the current approval expires. [4][9][17]
  - Ask the plan: The Optum ABA/Autism team at the behavioral health number on the member ID card: ask whether the plan is fully insured or self-funded.

## Delivery and billing rules

Coverage decides whether UnitedHealthcare in Iowa pays. These decide whether the claim survives: staffing and supervision, concurrent billing, per-day ceilings, who signs the note, where the service is payable, and whose NPI the claim goes out under.

- **Supervision**: "Consistent with CASP standards of care, direct case supervision is required 1–2 hours for every 10 hours of direct treatment per week." Technicians must be "under the applicable supervision of a BCBA or licensed behavioral health clinician," and Optum advises against parents serving as their own child's RBT. [1]
- **Concurrent billing (97153 + 97155)**: "Q. Can I report 97153 or 97154 with 97155 concurrently? A. Yes, as long as the criteria in the descriptors of both codes are met. A single QHP may not report 97153 or 97154 with 97155 concurrently." 97155 is only for direct work with the patient or directing a technician; treatment planning while the technician works is not billable. 97155 and 97156 on the same day must be separate, distinct times. [2]
- **Daily limits / MUEs**: Optum’s commercial ABA reimbursement policy (2022RP501A, updated June 2026) sets a maximum frequency per day for every code: 97151 32 units (8 hrs), 97152 16 (4 hrs), 97153 32 (8 hrs), 97154 18 (4.5 hrs), 97155 24 (6 hrs), 97156 16 (4 hrs), 97157 16 (4 hrs), 97158 16 (4 hrs), 0362T 16 (4 hrs), 0373T 32 (8 hrs) — and “If a provider bills in excess of 32 units per day, claims may be subject to non-reimbursement or recovery.” The ABA CPT FAQ confirms “For our commercial ABA program MUE’s apply.” There is no weekly hour cap: hours are authorized on documented clinical need, approved units can be shifted among codes within a cluster, and utilization below 80% of authorized hours over a two-week period is addressed at review. [2][10]
- **Session-note signature**: “Provider signature is required on progress notes. Parent/guardian signatures are not required on progress notes” (Optum ABA CPT FAQ). Each daily session note records place of service, start and stop time, who rendered the service, the specific service, who attended and the interventions. Optum’s ABA documentation protocol (June 1, 2026) requires the “signature of the rendering provider” and “Legible identity of the rendering provider with credentials,” and “The date of signature must reflect the date the note is finalized” — a note signed after the date of service must follow late-entry rules and show the date it was signed. Same-date services must be “separate, distinct, and clearly documented in the progress notes,” or the claim may be denied. [10][12][2]
- **Place of service**: Optum's ABA FAQ lists place-of-service codes 12 (home), 11 (clinic), 99 (community) and 02 (telehealth, "Only allowed for supervision and caregiver training"). In school, ABA is not covered for a "1:1 aid delivered simultaneously during classroom instruction, or services covered under the Individuals with Disabilities Education Act," but "School ABA services do allow for coordination of services and would cover services such as teacher training, meetings with school personnel, and observations in the school setting." [3][1]
- **Bill as provider**: Every line carries the rendering credential: "HM Modifier: ... a Registered Behavior Technician (RBT)"; "HN Modifier: ... a Board-Certified Assistant Behavior Analyst"; "HO modifier: ... Board Certified Behavior Analyst (BCBA) or a licensed mental health provider"; "HP modifier: ... BCBA-D or a licensed mental health provider." Only one provider-level modifier per line. The HM description notes "State regulatory requirements may supplement, modify or supersede this policy." [2]

## What intake should collect for UnitedHealthcare in Iowa

- **Plan funding and group size:** Large group or public employer: the Iowa mandate applies. Individual, small group or self-funded: the plan document decides.
- **Diagnostic report with a validated tool:** Optum wants the DSM-5 diagnosis and severity confirmed with at least one clinically validated tool.
- **Technician credential:** Each claim line needs the rendering credential modifier (HM for RBT). Know who delivers each session.
- **Virtual-visits attestation:** Remote supervision and caregiver training need an Optum virtual-visits attestation first.

Free verification-call checklist (PDF): https://carelu.com/downloads/aba-verification-call-checklist.pdf

## Common questions

### Does UnitedHealthcare require graphs for ABA reassessments?

Optum’s criteria require updated progress data in the same measures used at baseline (mastery rates, change scores, updated standardized adaptive measures) at every continued review; they do not require graphs as such.

### Does UnitedHealthcare accept H0031 or H0032 for ABA?

Optum’s commercial ABA reimbursement policy lists only CPT 97151–97158, 0362T and 0373T as reimbursable ABA codes, each with a credential modifier; no H-code (H0031, H0032, H2014, H2019) is on the list.

### Does UnitedHealthcare cover ABA therapy in Iowa?

Yes, for autism under Optum's ABA criteria, with prior authorization. Large-group and public-employee plans must cover ABA under Iowa's mandate; individual, small-group and self-funded plans follow their plan documents.

### Can ABA be delivered by telehealth with UnitedHealthcare?

Only supervision (97155) and caregiver training (97156), billed with POS 02, and only after the provider completes Optum's virtual-visits attestation.

### How many hours a day of 97153 will Optum pay?

Up to 32 units (8 hours) a day under the commercial ABA reimbursement policy; claims above that may be denied or recovered.

### How often does UnitedHealthcare (Optum) reauthorize ABA?

Optum, which manages UnitedHealthcare’s behavioral health benefits, says “At a minimum, most treatment reviews are required every 4-6 months depending on the account/state law.” Call in the continued-care request “no more than 30 days prior to the current approvals on file expiring,” with updated progress data measured the same way as baseline and updated standardized measures. There is no fixed reassessment frequency (“There is no required frequency at which an assessment must take place”) — ask for reassessment hours inside the treatment request. If more hours are needed mid-authorization, call the ABA team with a clinical rationale. On fully insured Iowa plans the mandate limits treatment-plan reviews to once every three months in the first year and every six months after.

### Does UnitedHealthcare (Optum) require RBT certification for ABA technicians?

Optum's ABA criteria say technicians "should be registered behavior technicians (RBT) or another appropriately certified behavior technician as allowable by state mandate," working under BCBA or licensed-clinician supervision. They also advise against a parent serving as the RBT for their own child.

### Does UnitedHealthcare require ABA goals to be organized by DSM-5 criteria in Iowa?

No DSM-5 grouping is asked for. Optum wants clearly stated, measurable goals with baseline data and timeframes, prioritized by safety and quality-of-life risk, with new goals based on targeted symptoms and behaviors.

### Does UnitedHealthcare set required parent training hours in Iowa?

Optum says "Parent training is required" (97156/97157) but sets no minimum or maximum — "It is based on the treatment plan and goals provided." Commercial claims are capped at 16 units (4 hours) per day for each of 97156 and 97157.

### What is UnitedHealthcare’s timely filing limit in Iowa?

Optum Behavioral Health, which manages UnitedHealthcare’s ABA benefit, requires claims within 90 calendar days of the date of service unless state or federal law or the member’s plan allows longer (National Network Manual, effective September 1, 2026).

### How fast must UnitedHealthcare pay a clean ABA claim in Iowa?

Iowa law (Iowa Code § 507B.4A; 191 IAC 15.32) requires a fully insured plan to pay or deny a clean claim within 30 days of receipt, with 10% annual interest after that. Self-funded employer plans are not bound by the statute.

### What documents does UnitedHealthcare (Optum) need for ABA in Iowa?

Optum's ABA Supplemental Clinical Criteria require a valid DSM-5-TR ASD diagnosis from a state-licensed physician, psychologist or other qualified licensed clinician. The diagnosing clinician confirms the diagnosis and severity level "using at least one clinically validated tool," such as the ADOS-2, ADI-R or CARS-2. The ABA provider then completes its own behavioral assessment with baseline measurement on at least one validated tool (for example the VB-MAPP, ABLLS-R, AFLS or Vineland) and builds the treatment plan from it. "Prior authorization is required for ABA (unless otherwise specified or mandated by contract or law)." The criteria set no expiry on the diagnosis.

## Primary sources

1. [Optum Supplemental Clinical Criteria — Applied Behavior Analysis (interim review 04/2026)](https://public.providerexpress.com/content/dam/ope-provexpr/us/pdfs/clinResourcesMain/autismABA/abaSCC.pdf)
2. [Optum — ABA Reimbursement Policy, Commercial (2022RP501A)](https://public.providerexpress.com/content/dam/ope-provexpr/us/pdfs/clinResourcesMain/guidelines/reimbPolicies/abaReimburs2020s.pdf)
3. [Optum — Autism/ABA Frequently Asked Questions (BH3632, 10/2021)](https://public.providerexpress.com/content/dam/ope-provexpr/us/pdfs/clinResourcesMain/autismABA/abaFAQ.pdf)
4. [Optum Behavioral Health National Provider Network Manual (eff. 9/1/2026)](https://public.providerexpress.com/content/dam/ope-provexpr/us/pdfs/adminResourcesMain/netwmanual/NNManual.pdf)
5. [2026 UnitedHealthcare Care Provider Administrative Guide](https://www.uhcprovider.com/content/dam/provider/docs/public/admin-guides/2026-UHC-Administrative-Guide.pdf)
6. [Iowa Code § 514C.31](https://www.legis.iowa.gov/docs/code/514C.31.pdf)
7. [Iowa Code § 514C.28](https://www.legis.iowa.gov/docs/code/514C.28.pdf)
8. [2025 Iowa Acts ch. 162 (H.F. 330)](https://www.legis.iowa.gov/docs/acts/2025/CH0162.pdf)
9. [Iowa Code § 514F.8 — Prior authorizations](https://www.legis.iowa.gov/docs/code/514F.8.pdf)
10. [Optum — FAQ: Autism/ABA Using CPT Codes (BH00083-24-FAQ, 01/2024)](https://public.providerexpress.com/content/dam/ope-provexpr/us/pdfs/clinResourcesMain/autismABA/abaCPT-FAQs.pdf)
11. [Optum — Telehealth Billing Quick Reference Guide (BH01511, updated September 2025)](https://public.providerexpress.com/content/dam/ope-provexpr/us/pdfs/home/Telehealth_Billing_Guide_Updates.pdf)
12. [Optum — Medical Records Documentation for Reviews of ABA Services (BH02325, 6/1/2026)](https://public.providerexpress.com/content/dam/ope-provexpr/us/pdfs/clinResourcesMain/autismABA/OBHS_ABA_Services_Documentation_Protocols.pdf)
13. [Iowa Code § 507B.4A (2026) — Prompt payment of claims](https://www.legis.iowa.gov/docs/code/507B.4A.pdf)
14. [Iowa Admin. Code 191—15.32 — Prompt payment of certain health claims](https://www.legis.iowa.gov/docs/iac/chapter/191.15.pdf)
15. [Iowa Code § 514C.22 (Iowa Code 2026)](https://www.legis.iowa.gov/docs/code/514C.22.pdf)
16. [Iowa Code chapter 154D — Behavioral science](https://www.legis.iowa.gov/docs/code/154D.pdf)
17. [29 CFR 2560.503-1 — ERISA claims procedure (eCFR)](https://www.ecfr.gov/current/title-29/section-2560.503-1)
18. [Iowa Admin. Code 191—38.15 — Rules for coordination of benefits](https://www.legis.iowa.gov/docs/iac/chapter/191.38.pdf)
19. [42 CFR 433.139 — Medicaid third-party liability (eCFR)](https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-C/part-433/subpart-D/section-433.139)
20. [32 CFR 199.8 — TRICARE double coverage (eCFR)](https://www.ecfr.gov/current/title-32/subtitle-A/chapter-VII/subchapter-M/part-199/section-199.8)
21. [38 CFR 17.276(d) — CHAMPVA last payer to other health insurance (eCFR)](https://www.ecfr.gov/current/title-38/section-17.276)

Payer policies change frequently and vary by plan, state, and funding type. This guide was compiled from the sources above and last reviewed October 2026; it is general information, not billing, legal, or clinical advice. Always verify current requirements against the payer's live policy and a benefits check for the specific member.

Source: Carelu ABA Payer Directory — https://carelu.com/payers. Free to cite with attribution.