---
title: "Aetna ABA coverage in Nebraska: the intake guide."
url: "https://carelu.com/payers/aetna-nebraska"
markdown_url: "https://carelu.com/payers/aetna-nebraska.md"
state: NE (Nebraska)
payer: Aetna in Nebraska
kind: Commercial insurance
description: "How Aetna covers ABA for Nebraska families — the national clinical policy, prior authorization, the Neb. Rev. Stat. § 44-7,106 mandate (under 21, the 25-hour weekly cap, exemptions), Nebraska behavior-analyst licensure, and what intake should verify."
last_reviewed: September 2026
vob_data_updated: 2026-07-23
---

# Aetna ABA coverage in Nebraska: the intake guide.

_Payer Guide · Aetna · Nebraska · Last updated September 2026 · 7 primary sources_

> CPB 0554 (ABA) + CPB 0648 (ASD) + the Neb. Rev. Stat. § 44-7,106 mandate layer.

For an intake team in Nebraska, an Aetna card means three layers at once: the carrier's national clinical policy, Nebraska's autism insurance mandate (Neb. Rev. Stat. § 44-7,106), and the plan's funding type deciding which of the two actually binds. This guide stacks them in order.

## Prior authorization and diagnosis at a glance

- **Prior auth for the assessment**: Required — precertification (form GR-69017-4), per Aetna's behavioral health precertification list (eff. 8/1/2024) — CPB 0554 itself sets no precertification rule [1]
- **Prior auth for treatment**: Required — precertification; reauthorization commonly ~6 months (verify per plan) [1][7]
- **Autism diagnosis required?**: Yes — ASD only (F84.0–F84.9); ABA for other diagnoses considered experimental [2]

## At a glance

- **Covers ABA?:** Yes — for ASD, per the national Aetna policy
- **State mandate:** Neb. Rev. Stat. § 44-7,106 (LB 254, eff. 1/1/2015)
- **Mandate age:** Under 21 (screening, diagnosis, and treatment of ASD)
- **Mandate caps:** 25 hrs/week maximum benefit for behavioral health treatment incl. ABA
- **Exempt from mandate:** Non-grandfathered individual/small-group ACA plans; self-funded ERISA (preempted)
- **Licensure:** NE Licensed Behavior Analyst (DHHS Licensure Unit, 172 NAC 86)

## The national policy, applied in Nebraska

Aetna covers ABA for autism spectrum disorder under its national clinical policy CPB 0554 (paired with CPB 0648 for ASD), and considers ABA experimental for anything else. Precertification is required for both the assessment and treatment — form GR-69017-4, submitted via Availity or phone — with reauthorization commonly on a roughly 6-month cadence. That clinical policy is national — what changes in Nebraska is the legal floor underneath it: the state mandate below governs what state-regulated plans must cover, while self-funded employer plans answer to ERISA and federal parity instead. Plan funding type is therefore the first fact to establish on every benefits check. The full national policy breakdown lives in our Aetna guide; this page covers what changes in Nebraska. [2][3]

## The Nebraska mandate: what it guarantees (and doesn't)

Nebraska's mandate (LB 254 of 2014, effective for policies delivered or renewed on or after January 1, 2015) requires coverage of screening, diagnosis, and treatment of ASD for individuals under 21 — with behavioral health treatment including ABA capped at a maximum benefit of 25 hours per week until age 21. No visit limits or less-favorable dollar limits or cost-sharing are otherwise permitted, non-BHT payments (OT/ST/PT, pharmacy, psychiatric care) cannot be applied against the cap, and the insurer may review treatment at most once every 6 months, at its own cost. ABA must be provided or supervised by a nationally certified behavior analyst or licensed psychologist, in person or by telehealth. The reach is narrower than it reads: the statute exempts non-grandfathered individual and small-group ACA plans required to include essential health benefits, so the mandate's practical territory is large-group and grandfathered plans — and while the statute's text reaches self-funded plans "to the extent not preempted," ERISA preemption still takes self-funded employer plans off the table. The 25-hour cap is also a quantitative limit whose enforceability against group plans is in tension with federal parity (MHPAEA) — treat that as an argument to raise, not a settled fact. [4]

## No Nebraska-specific Aetna policy exists

We checked: Aetna publishes no Nebraska-specific ABA policy, form, or supplement — the national policy plus the state mandate is the whole picture. That's worth knowing in itself: it means benefits verification (plan funding type, mandate applicability, the 25-hour cap's presence in the plan document) is where Nebraska-specific answers come from, not a carrier document. [2]

## Licensure & rates in Nebraska

Nebraska licenses behavior analysts under the Behavior Analyst Practice Act (Neb. Rev. Stat. § 38-4401 et seq., regulations at 172 NAC 86): the Licensed Behavior Analyst (LBA) credential for BCBAs and LaBA for BCaBAs, administered by the DHHS Licensure Unit with a Board of Behavior Analysts — and since January 1, 2025 the state's Medicaid program requires the license of every practicing BCBA, which has made LBA licensure the de facto floor for the market. On rates: Aetna does not publish commercial ABA fee schedules for Nebraska (none of the national carriers do) — rates are contract-negotiated and live in your participating-provider agreement. When benchmarking, note that Nebraska's Medicaid fee schedule sits unusually low after the August 2025 cuts (97153 at $18.70 per 15 minutes), so commercial contracts here carry more of the margin than in most states. [5][6]

## Intake gates

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

- **Diagnosis recency**: Twelve months, and it attaches to the functional measure rather than to the diagnosis. Aetna's medical-necessity criteria require that "There is demonstration of functional impairment on a standardized scale of functioning in the past 12 months," with the impairment at least one standard deviation below the population mean or representing a significant risk of harm to self or others. The ASD diagnosis itself carries no stated shelf life — so a family with an older diagnostic report is not blocked, but a stale adaptive score is. [7]
- **Who may diagnose**: A scope-of-practice test rather than a specialty list. Aetna requires "a DSM-V diagnosis of Autism Spectrum Disorder (ICD-10: F84.0; F84.3 - F84.9) obtained by an appropriate provider," and defines that as a "licensed psychologist/psychiatrist, physician or other health care professional qualified to diagnose mental health conditions within their scope of practice." Note the code range: F84.2 (Rett syndrome) sits outside the listed set, and ABA for diagnoses other than ASD is treated as experimental. [7]
- **Diagnostic tools required**: Aetna names adaptive-functioning instruments, not autism diagnostic instruments. The medical-necessity criteria require demonstrated functional impairment "on a standardized scale of functioning in the past 12 months. For instance, the Vineland Adaptive Behavior Scales 3 (VABS-3), the Adaptive Behavior Assessment Scale (ABAS), VB-MAPP or ABLLS," and quality-of-care elements add "Repeated measurement with standardized measures to assess progress." No ADOS-2 or ADI-R requirement appears anywhere — the instrument Aetna asks for is the one that sizes the hours, and the level-of-impairment calculation is what justifies the number requested. [7]
- **Other insurance (who pays first)**: Aetna: "We coordinate benefits as allowed by state or federal law following the National Associations of Insurance Commissioners (NAIC) guidelines. If there is no applicable law, then we coordinate according to the member's plan" — the manual's order-of-benefits list includes the birthday rule for children whose parents are not separated or divorced. Nebraska's COB regulation (210 NAC 39) governs fully insured plans: for a child whose parents are married or living together, "The plan of the parent whose birthday falls earlier in the calendar year is the primary plan" (same birthday: the plan that has covered the parent longest); for divorced or separated parents a court decree naming the responsible parent controls. Self-funded plans follow their plan document instead, and Aetna notes many use "Maintenance of Benefits (MOB)" rather than the "100% Allowable" method most state laws require, so a secondary payment can be smaller. If the child also has Medicaid, this plan pays first: Medicaid is payer of last resort (42 CFR 433.139) — bill here, then send the EOB or denial to Medicaid, and get Medicaid's own prior auth too if the state requires it. TRICARE is secondary to this plan ("TRICARE shall be last pay," 32 CFR 199.8), and "CHAMPVA is the last payer to OHI" (38 CFR 17.276(d)). [8][11][12][13][14]
- **Age limit** _(plan-dependent)_: Aetna sets no upper age limit in its national medical-necessity criteria. The ABA Medical Necessity Guide gives age only as clinical shape, not as a gate: comprehensive ABA carries a "typical age range" of 0-7 years at 10-25 hours a week for 1-2 years, while focused ABA is listed for "All ages" at 1-20 hours a week. The binding age question is the legal layer underneath: Nebraska's mandate (Neb. Rev. Stat. § 44-7,106) reaches individuals under 21 on state-regulated plans and caps behavioral health treatment including ABA at 25 hours per week to age 21; non-grandfathered individual and small-group ACA plans are exempt, and a self-funded ERISA plan answers to its own plan document. Establish funding type before quoting an age answer. [7][4]
  - Ask the plan: The member's benefit document and Aetna precertification — funding type decides whether the state mandate or the plan document sets the age boundary.
- **Telehealth** _(plan-dependent)_: Not published. Aetna's ABA materials set medical-necessity criteria and precertification requirements for 97151-97158, 0362T and 0373T but say nothing about remote delivery, telehealth modifiers or place-of-service codes. One Nebraska-specific point does exist, and it sits in the statute rather than the carrier policy: § 44-7,106 requires that ABA be "provided or supervised by a nationally certified behavior analyst or licensed psychologist" and says so expressly of care delivered "in person or by telehealth," so remote delivery is contemplated by the mandate for state-regulated plans even where the carrier publishes no code list. [7][4]
  - Ask the plan: Aetna provider services and the member's benefit document — confirm which ABA codes pay by telehealth and with which POS code before scheduling remote supervision or caregiver training.
- **Prior-auth decision time** _(plan-dependent)_: Aetna publishes no commercial decision clock of its own: ABA "services require prior authorization. To get ABA services precertified, call the number on the member's Aetna ID card," and the manual sets no reauthorization lead time (none in the ABA Medical Necessity Guide or the ABA precert form either). The legal ceiling depends on funding. Nebraska fully insured plans are bound by LB 77 (operative January 1, 2026): a decision "within seventy-two hours after obtaining all necessary information" for urgent care and "within seven days after obtaining all necessary information" for nonurgent care (urgent tightens to 48 hours from January 1, 2028); "Health care services are deemed authorized if a utilization review agent fails to comply with the deadlines," the approval notice must state the authorization's duration or expiry date, and "prior authorization shall be valid for at least one year from the date the utilization review agent approves the prior authorization request." Self-funded ERISA plans are outside state law and follow 29 CFR 2560.503-1: a pre-service decision "not later than 15 days after receipt of the claim" (one 15-day extension), 72 hours for urgent care, and an urgent request to extend an approved course of treatment decided within 24 hours if made "at least 24 hours prior to the expiration." [8][9][10]
  - Ask the plan: Aetna precertification (number on the member ID card): ask whether the plan is fully insured or self-funded (which sets the legal clock) and how far before expiry Aetna wants the ABA reauthorization — Aetna publishes no lead time.
- **Referral required?** _(ask the plan)_: Not published. Aetna's ABA Medical Necessity Guide and its ABA clinical policy bulletin set a diagnosis requirement, a precertification requirement and a provider-licensure requirement, but state no referral or physician order as a condition of coverage. The gate that does exist is precertification itself — required for both the assessment and treatment. [7]
  - Ask the plan: Aetna precertification/provider services at the number on the member's ID card, and the member's benefit document — ask whether the plan layers a referral requirement on behavioral health.

## Delivery and billing rules

Coverage decides whether Aetna in Nebraska 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**: Aetna sets a duty, not a number. Where a state mandate, plan document or contract allows services from someone neither state-licensed nor BACB-certified, "there must be supervision and direction of the unlicensed or non-certified providers in line with practice standards." The ABA Medical Necessity Guide publishes no supervision percentage, ratio or caseload cap — the operative standard is professional practice plus whatever the contract adds. [7]
- **Bill as provider**: The claim carries the analyst, not the technician. "Services must be provided directly or billed by licensed behavior analysts (in states with behavior analyst licensure laws), board-certified behavior analysts, or licensed psychologists where behavior analysis is within their scope of practice definition, unless state mandates, plan documents or contracts require otherwise." The escape clause matters: a state mandate or your contract can move the line, so confirm before enrolling technicians. Nebraska is a licensure state — LBA for BCBAs, LaBA for BCaBAs — so the licensed analyst is who the clause points at here. [7]
- **Place of service** _(plan-dependent)_: Aetna does not publish a POS code list for ABA. The one place-of-service boundary it does state is the schools carve-out: pursuant to applicable law Aetna "is not required [to] provide services to a child under an individualized education program or any obligation imposed on a public school by the Individuals with Disabilities Education Act." That is a limit on paying for what the IEP owes, not a blanket ban on the school setting — and it yields to a stronger state mandate. Where ABA is payable in a school, in the community or in a group home is a benefit-document question on Aetna plans. In Nebraska the layer underneath is § 44-7,106 for state-regulated plans, and the plan document for a self-funded one — note that the state's own Medicaid rule sends school-based ABA to the Medicaid school-based services program (471 NAC 25) rather than to independent providers, which is a Medicaid rule and not a commercial one. [7][4]
  - Ask the plan: The member's benefit document, and Aetna provider services for whether school-setting ABA is payable on that plan.
- **Concurrent billing (97153 + 97155)** _(ask the plan)_: Not published. Neither the ABA Medical Necessity Guide nor Aetna's clinical policy bulletin on ABA addresses whether 97153 and 97155 may be billed for the same clock time; Aetna carries the concurrency question in its claim editing rather than in a public policy.
  - Ask the plan: Aetna precertification/provider services at the number on the member's ID card, and the plan's own reimbursement schedule — ask specifically whether 97155 pays alongside 97153 when analyst, technician and member are all face-to-face.
- **Daily limits / MUEs** _(ask the plan)_: Not published. Aetna's ABA documents set medical-necessity criteria and precertification requirements for 97151-97158, 0362T and 0373T, but no per-day unit ceiling and no statement of which MUE table applies.
  - Ask the plan: Aetna provider services; confirm before promising a family more than four hours a day of 97153.
- **Session-note signature** _(ask the plan)_: Not published in Aetna's ABA materials — no rule on who signs a session note or within what window.
  - Ask the plan: The Aetna provider manual and your participation agreement's documentation clause.

## What intake should collect for Aetna in Nebraska

- **Plan funding type:** Large-group/grandfathered state-regulated (mandate applies) vs. small-group/individual ACA or self-funded ERISA (exempt) — it decides which rulebook governs.
- **Member ID + card photo:** Enough to run a live benefits verification — the only reliable answer on limits and cost-sharing.
- **Diagnosis report:** DSM-5 ASD diagnosis, diagnosing provider and credentials, evaluation date — Aetna's commercial policy is ASD-only.
- **Requested weekly hours vs. the 25-hour cap:** Where the mandate governs, BHT including ABA caps at 25 hrs/week — plan intensity and any parity argument accordingly.

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

## Verification of benefits (VOB) data

How Aetna in Nebraska ABA benefits route and read on an eligibility check. Data last updated 2026-07-23.

### EDI routing

- **Payer ID (pVerify):** 00001
- **Payer ID (Availity):** 60054 — QA re-check (2026-07-23): the cited Availity list carries an "As of 08/08/2012" footer — 60054=AETNA is confirmed present in that snapshot, but downgraded from verified to inferred pending reconfirmation against a current Availity export (same treatment already applied to aetna-georgia / aetna-florida for the identical staleness finding).
- **Payer ID (Change Healthcare / Optum):** 60054 — Same staleness finding as payerId.availity — carried over from the same 2012 Availity snapshot.
- **Supports 270/271 eligibility:** Yes

### Code-level coverage

| Code | Covered | Prior auth | Unit cap | Place of service | Telehealth | Modifiers |
| --- | --- | --- | --- | --- | --- | --- |
| 97151 | Yes | Required — precertification, per Aetna's national CPB 0554/0648. Cross-file note: nebraska.ts's own prose cites "form GR-69017-4," but georgia.ts's independent QA re-check of the SAME two CPBs found that form number does not actually appear in either document and removed it there — that correction is applied here too: the form number is NOT asserted as a verified fact. | — | — | — | — |
| 97152 | Yes | Required — precertification, per Aetna's national CPB 0554/0648. Cross-file note: nebraska.ts's own prose cites "form GR-69017-4," but georgia.ts's independent QA re-check of the SAME two CPBs found that form number does not actually appear in either document and removed it there — that correction is applied here too: the form number is NOT asserted as a verified fact. | — | — | — | — |
| 97153 | Yes | Required — precertification, per Aetna's national CPB 0554/0648. Cross-file note: nebraska.ts's own prose cites "form GR-69017-4," but georgia.ts's independent QA re-check of the SAME two CPBs found that form number does not actually appear in either document and removed it there — that correction is applied here too: the form number is NOT asserted as a verified fact. | — | — | — | — |
| 97154 | Yes | Required — precertification, per Aetna's national CPB 0554/0648. Cross-file note: nebraska.ts's own prose cites "form GR-69017-4," but georgia.ts's independent QA re-check of the SAME two CPBs found that form number does not actually appear in either document and removed it there — that correction is applied here too: the form number is NOT asserted as a verified fact. | — | — | — | — |
| 97155 | Yes | Required — precertification, per Aetna's national CPB 0554/0648. Cross-file note: nebraska.ts's own prose cites "form GR-69017-4," but georgia.ts's independent QA re-check of the SAME two CPBs found that form number does not actually appear in either document and removed it there — that correction is applied here too: the form number is NOT asserted as a verified fact. | — | — | — | — |
| 97156 | Yes | Required — precertification, per Aetna's national CPB 0554/0648. Cross-file note: nebraska.ts's own prose cites "form GR-69017-4," but georgia.ts's independent QA re-check of the SAME two CPBs found that form number does not actually appear in either document and removed it there — that correction is applied here too: the form number is NOT asserted as a verified fact. | — | — | — | — |
| 97157 | Yes | Required — precertification, per Aetna's national CPB 0554/0648. Cross-file note: nebraska.ts's own prose cites "form GR-69017-4," but georgia.ts's independent QA re-check of the SAME two CPBs found that form number does not actually appear in either document and removed it there — that correction is applied here too: the form number is NOT asserted as a verified fact. | — | — | — | — |
| 97158 | Yes | Required — precertification, per Aetna's national CPB 0554/0648. Cross-file note: nebraska.ts's own prose cites "form GR-69017-4," but georgia.ts's independent QA re-check of the SAME two CPBs found that form number does not actually appear in either document and removed it there — that correction is applied here too: the form number is NOT asserted as a verified fact. | — | — | — | — |
| 0362T | Yes | Required — precertification, per Aetna's national CPB 0554/0648. Cross-file note: nebraska.ts's own prose cites "form GR-69017-4," but georgia.ts's independent QA re-check of the SAME two CPBs found that form number does not actually appear in either document and removed it there — that correction is applied here too: the form number is NOT asserted as a verified fact. | — | — | — | — |
| 0373T | Yes | Required — precertification, per Aetna's national CPB 0554/0648. Cross-file note: nebraska.ts's own prose cites "form GR-69017-4," but georgia.ts's independent QA re-check of the SAME two CPBs found that form number does not actually appear in either document and removed it there — that correction is applied here too: the form number is NOT asserted as a verified fact. | — | — | — | — |

Code notes:

- **97151, 97152, 97153, 97154, 97155, 97156, 97157, 97158, 0362T, 0373T:** Verify via: Aetna provider services / precertification — CPB 0554 & 0648 are medical-necessity policies only; no ABA coding/reimbursement policy located. Separately, Nebraska's mandate (Neb. Rev. Stat. § 44-7,106) caps behavioral health treatment including ABA at 25 hrs/week for state-regulated (large-group/grandfathered) plans — a benefits-layer cap, distinct from and not a substitute for any per-code unit cap, which remains unpublished by Aetna itself.

### Contacts

- **Provider services phone:** 1-888-632-3862 (TTY: 711) — commercial-plan precertification questions line
- **Portal:** [Availity](https://www.availity.com)

Questions to ask on a verification call:

- Does this member's plan require prior authorization/precertification for ABA codes 97151-97158, and is there a specific precert form number to use?
- What is the daily and weekly unit cap for ABA treatment codes under this member's plan?
- Which places of service are allowed for ABA (home, office, school, telehealth)?
- Is telehealth allowed for any ABA codes under this plan, and if so, which modifier and POS code should be used?
- Does Aetna administer behavioral health/ABA benefits directly, or through a separate behavioral health vendor, for this plan?

### VOB data sources

- https://pverify.com/wp-content/uploads/2026/03/pVerifyPayers_All-Payers-List-3-2026.pdf (accessed 2026-07-23)
- https://essentials.availity.com/availity/documents/payer_list_wShortNames.pdf (accessed 2026-07-23; source document older than 18 months)
- https://www.caqh.org/sites/default/files/CAQH%20CORE%20Eligibility%20Benefits%20(270_271)%20Data%20Content%20Rule%20vEB2.0.pdf (accessed 2026-07-23)
- https://www.aetnaseniorproducts.com/ssi/assets/pdf/Aetna%20SSI%20EDI%20270-271%20Companion%20guide.pdf (accessed 2026-07-23)
- https://www.aetna.com/cpb/medical/data/500_599/0554.html (accessed 2026-07-23)
- https://www.aetna.com/cpb/medical/data/600_699/0648.html (accessed 2026-07-23)
- https://nebraskalegislature.gov/laws/statutes.php?statute=44-7,106 (accessed 2026-07-23)
- https://www.aetna.com/content/dam/aetna/pdfs/aetnacom/healthcare-professionals/documents-forms/bh_precert_list.pdf (accessed 2026-07-23)

## Common questions

### Does Aetna cover ABA therapy in Nebraska?

Yes — under the carrier's national policy for ASD, layered on Nebraska's mandate (Neb. Rev. Stat. § 44-7,106) for state-regulated plans. Self-funded employer plans are exempt from the mandate, so always verify plan funding type first.

### What does the Nebraska autism mandate require?

Coverage of ASD screening, diagnosis, and treatment for individuals under 21, with behavioral health treatment including ABA capped at 25 hours per week — and insurer treatment reviews limited to once every 6 months. Non-grandfathered individual and small-group ACA plans are exempt, as are self-funded ERISA plans by preemption.

### What does Aetna pay for ABA in Nebraska?

Commercial ABA rates are not published — they are negotiated in your participating-provider agreement. Nebraska's Medicaid schedule is an unusually low benchmark after the August 2025 cuts, so treat commercial rate-setting as a first-order contracting conversation.

## Primary sources

1. [Aetna — Participating provider behavioral health precertification list (ABA: 97151–97158, 0362T, 0373T)](https://www.aetna.com/content/dam/aetna/pdfs/aetnacom/healthcare-professionals/documents-forms/bh_precert_list.pdf)
2. [Aetna CPB 0554 — Applied Behavior Analysis](https://www.aetna.com/cpb/medical/data/500_599/0554.html)
3. [Aetna CPB 0648 — Autism Spectrum Disorders](https://www.aetna.com/cpb/medical/data/600_699/0648.html)
4. [Neb. Rev. Stat. § 44-7,106 (full text)](https://nebraskalegislature.gov/laws/statutes.php?statute=44-7,106)
5. [NE DHHS — Behavior Analyst licensure page](https://dhhs.ne.gov/licensure/Pages/Behavior-Analyst.aspx)
6. [Provider Bulletin 25-14 — ABA Rates (July 1, 2025)](https://dhhs.ne.gov/Medicaid%20Provider%20Bulletins/Provider%20Bulletin%2025-14.pdf)
7. [Aetna — Applied Behavior Analysis Medical Necessity Guide (©2026)](https://www.aetna.com/content/dam/aetna/pdfs/health-care-professionals/applied-behavioral-analysis-necessity-guide.pdf)
8. [Aetna Provider Manual (form 8102800-01-01, 6/26)](https://www.aetna.com/content/dam/aetna/pdfs/aetnacom/health-care-professionals/office_manual_hcp.pdf)
9. [Nebraska LB 77 (2025) — Ensuring Transparency in Prior Authorization Act, slip law](https://nebraskalegislature.gov/FloorDocs/109/PDF/Slip/LB77.pdf)
10. [29 CFR 2560.503-1(f)(2) — Group health plan claim decision timeframes (eCFR)](https://www.ecfr.gov/current/title-29/section-2560.503-1)
11. [210 NAC 39 — Nebraska Coordination of Benefits Regulation, §006.04(B)](https://doi.nebraska.gov/sites/default/files/doc/Chapter%2039.pdf)
12. [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)
13. [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)
14. [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 September 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.