---
title: "UnitedHealthcare / Optum ABA coverage in Texas: the intake guide."
url: "https://carelu.com/payers/unitedhealthcare-texas"
markdown_url: "https://carelu.com/payers/unitedhealthcare-texas.md"
state: TX (Texas)
payer: UnitedHealthcare / Optum in Texas
kind: Commercial insurance
description: "How UnitedHealthcare / Optum covers ABA for Texas families — the national clinical policy, prior authorization, the Tex. Ins. Code § 1355.015 mandate (the before-age-10 diagnosis gate, the $36,000 cap, exemptions), Texas behavior-analyst licensure, and what intake should verify."
last_reviewed: September 2026
vob_data_updated: 2026-07-23
---

# UnitedHealthcare / Optum ABA coverage in Texas: the intake guide.

_Payer Guide · UnitedHealthcare · Texas · Last updated September 2026 · 6 primary sources_

> Optum criteria (no TX mandate entry) + the Tex. Ins. Code § 1355.015 mandate layer.

For an intake team in Texas, a UnitedHealthcare card means three layers at once: the carrier's national clinical policy, Texas's autism insurance mandate (Tex. Ins. Code § 1355.015), 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 — step 1 of Optum's two-step authorization (assessment auth via Provider Express) [1]
- **Prior auth for treatment**: Required — step 2 (treatment auth); reviews every 4–6 months [1]
- **Autism diagnosis required?**: Yes — DSM-5-TR ASD confirmed with a validated tool (ADI-R, ADOS-2, etc.) [1]

## At a glance

- **Covers ABA?:** Yes — for ASD, per the national UnitedHealthcare policy
- **State mandate:** Tex. Ins. Code § 1355.015 (HB 1919, 2007, as amended)
- **Mandate age:** From diagnosis — but the ASD dx must predate the 10th birthday; coverage continues once eligible
- **Mandate caps:** No cap under 10; $36,000/yr ABA cap at age 10+ (parity-limited)
- **Exempt from mandate:** ERS and UT/A&M system plans; self-funded ERISA; limited policies
- **Licensure:** TX Licensed Behavior Analyst — TDLR (Occupations Code Ch. 506)

## The national policy, applied in Texas

UnitedHealthcare administers ABA through Optum Behavioral Health as a two-step authorization on the Provider Express portal — assessment authorized first, then treatment — under Optum's Supplemental Clinical Criteria, with continued-service reviews every 4–6 months. Notably, Optum's "ABA State Mandates" supplemental criteria document has no Texas entry — we verified the current edition's state list (Arizona through Pennsylvania) contains no Texas overlay — so Texas commercial ABA runs on Optum's standard criteria plus the state mandate below for state-regulated group plans. Plan funding type is therefore the first fact to establish on every benefits check. The full national policy breakdown lives in our UnitedHealthcare / Optum guide; this page covers what changes in Texas. [1][2]

## The Texas mandate: the age-10 gate and the $36K cap

Texas's mandate — Tex. Ins. Code § 1355.015, enacted by HB 1919 in 2007 and expanded several times since — applies to group health benefit plans (group policies, HMOs, group hospital service contracts, and TRS school-employee plans), and it has a structure intake teams must internalize: coverage runs from the date of diagnosis, but only if the ASD diagnosis was in place before the child's 10th birthday. Once eligible, coverage continues — the statute sets no upper age cutoff on continuing benefits. Covered services are broad ("all generally recognized services": evaluation, ABA, behavior training, speech/OT/PT, medications). The statute also requires autism screening at 18 and 24 months. [3][4][5]

The dollar terms split at the same birthday: under age 10 there is no dollar cap, and at age 10 and older the plan isn't required to cover ABA beyond $36,000 per year (§ 1355.015(c-1)). That cap should be framed carefully: ASD is generally treated as a mental health condition, and an annual dollar limit on MH benefits sits in tension with federal parity law for parity-covered large-group plans — the standard industry reading is that many fully-insured large-group plans don't enforce it, though we found no TDI or federal guidance document confirming that, so treat the parity argument as analysis, not settled rule. Exemptions: the state-employee (ERS) and UT/A&M system plans are carved out, self-funded ERISA plans are exempt by federal preemption, and small-group applicability has a genuine statutory ambiguity — § 1355.015 has no small-employer subsection, so confirm small-group cases with TDI rather than assuming either way. [3][4][5]

## UnitedHealthcare Medicaid in Texas

A family saying "we have UnitedHealthcare" in Texas may actually be on the carrier's Medicaid plan — UnitedHealthcare Community Plan of Texas (STAR, STAR Kids, CHIP) — which follows the state TMPPM rules with ABA carved out to Optum's behavioral health network, not this commercial policy. Verify which line of business the card belongs to, and use the dedicated guide for the Medicaid plan.

## Licensure & rates in Texas

Texas has required licensure to practice ABA since 2018: the Licensed Behavior Analyst (LBA) and Licensed Assistant Behavior Analyst (LaBA) credentials under the Behavior Analyst Licensing Act (Occupations Code Chapter 506), administered by the Texas Department of Licensing and Regulation (TDLR) with BACB certification as the backbone — family members implementing plans and technicians working under an LBA/LaBA's authority are statutorily exempt. On rates: UnitedHealthcare does not publish commercial ABA fee schedules for Texas (none of the national carriers do) — rates are contract-negotiated and live in your participating-provider agreement. The Texas Medicaid fee schedule (97153 at $14.50/unit as of 9/1/2025) is the public benchmark to negotiate against. [6]

## Intake gates

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

- **Age limit**: Optum's criteria set no age bound — the gate is a valid ASD diagnosis, and its state-mandate supplement has no Texas entry. In Texas the legal floor is the mandate: Tex. Ins. Code § 1355.015 runs coverage from the date of diagnosis provided the ASD diagnosis predates the 10th birthday, with no upper age cutoff once eligible — and self-funded ERISA, ERS and UT/A&M system plans sit outside it. [1][2][3]
- **Diagnosis recency**: Optum's criteria set no recency window on the ASD diagnosis. What is tested for currency is the treatment side: continued-service reviews run every 4 to 6 months against updated standardized, norm-referenced adaptive measures. [1]
- **Who may diagnose**: A valid ASD diagnosis (or other applicable diagnosis required by governing law) issued by a state licensed physician, psychologist, or other state licensed clinician qualified to make that diagnosis under DSM-5-TR criteria. The DSM-5 diagnosis and severity level must be confirmed and documented by the diagnosing clinician. [1]
- **Diagnostic tools required**: The diagnosis and severity level must be confirmed with at least one clinically validated tool. Optum groups them: first-level screeners (ABC, CHAT/M-CHAT, CSBS-DP-IT, ASQ, AQ, CAST), second-level screeners and diagnostic aids (CARS/CARS-2, RITA-T, STAT), and formal diagnostic tools used in a comprehensive diagnostic evaluation (ADI-R, ADOS/ADOS-2, DISCO). Treatment intensity must separately be set from at least one validated measurement tool — ATEC, VB-MAPP, ABLLS/ABLLS-R, AFLS, PEAK, SSIS, RBS-R, SRS, Vineland (VABS) or CFQL-2 — plus norm-referenced instruments comparing the individual to age-matched neurotypical peers. [1]
- **Referral required?**: Optum imposes no referral or physician order. Prior authorization is the gate — a two-step process on Provider Express, assessment first and then treatment — unless otherwise specified or mandated by contract or law. [1]
- **Telehealth**: Optum's criteria treat telehealth as an available modality, citing practice parameters for telehealth implementation of ABA and noting that ABA can be delivered by telehealth across a broad range of clinical settings (home, clinic, school) — but the telehealth options are intended to supplement rather than supplant in-person service, not to replace it. [1]
- **Prior-auth decision time** _(plan-dependent)_: Turns on funding. UnitedHealthcare's 2026 Administrative Guide says "We notify you of our coverage decision within the time required by law," and for commercial prior authorization lists "Standard requests: up to 15 calendar days" and "Expedited requests: 72 hours," asking for notification "at least 15 calendar days in advance, if possible, but … at least 5 business days before the planned service date." For a fully insured Texas HMO/PPO, Texas law is tighter: a determination "not later than the third calendar day after the date the request is received" (Tex. Ins. Code §§ 843.348, 1301.135), and the plan must accept a renewal request "at least 60 days before the date the preauthorization expires" (28 TAC § 19.1718(l)). Self-funded ERISA plans: up to 15 days pre-service (one 15-day extension), 72 hours urgent. ABA itself is authorized by Optum Behavioral Health, whose ABA FAQ says to request continued services "no more than 30 days prior to the current approvals on file expiring" — on a fully insured Texas plan the state's 60-day renewal right governs. [7][8][9][10][11][12]
  - Ask the plan: Benefits verification: fully insured (Texas timelines) or self-funded/ASO (ERISA timelines)? Then confirm the continued-service request window with the Optum ABA line (behavioral health number on the member card).
- **Other insurance (who pays first)** _(plan-dependent)_: UnitedHealthcare states only that "COB is administered according to the member's benefit plan and in accordance with law"; Optum puts the burden on the provider — "You are responsible for determining if the member has other insurance coverage. If so, you should bill the primary insurance carrier first" — and when Optum is secondary "you will be paid up to the Optum contracted rate" with no balance billing. On a fully insured Texas plan the order is set by 28 TAC § 3.3507: for a child of married or cohabiting parents, the plan of the parent whose birthday falls earlier in the calendar year is primary; for separated parents, a court order, then custodial parent, custodial parent's spouse, noncustodial parent. A self-funded plan's own document governs. UnitedHealthcare pays ahead of Medicaid (payer of last resort — get the Medicaid PA even when it is secondary), TRICARE (secondary to other health insurance by law) and CHAMPVA (pays after other health insurance). [7][13][14][15][16][17][18]
  - Ask the plan: Benefits verification: ask whether the plan is fully insured or self-funded and which COB rule and secondary-payment method (standard vs maintenance of benefits) its plan document uses.

## Delivery and billing rules

Coverage decides whether UnitedHealthcare / Optum in Texas 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 at 1 to 2 hours for every 10 hours of direct treatment per week. Technicians must work under the applicable supervision of a BCBA or licensed behavioral health clinician and should be RBTs or another appropriately certified behavior technician as allowable by state mandate; a BCaBA or non-licensed individual works under the direct supervision of a BCBA or licensed behavioral health clinician who takes responsibility for the individual's care. Where an individual displays significant challenging behaviors, a higher staff-to-patient ratio and on-site direction by the supervisor may be needed. Optum states it is not appropriate for a parent to serve in the RBT role for their own child, and that a BCBA supervising such a parent would violate the ethics code. [1]
- **Daily limits / MUEs**: No per-day unit ceiling is published. Optum frames total intensity as direct plus indirect services (caregiver training and supervision included), increased or decreased on the individual's response to treatment, with comprehensive programs typically early in development and focused intervention aimed at dangerous or maladaptive behavior. The Texas mandate caps dollars rather than units: no cap under age 10, $36,000/year for ABA at 10 and over on plans the statute reaches. [1][3]
- **Place of service**: ABA must be provided at the least restrictive, most clinically appropriate level. The school boundary is explicit: ABA is not covered for services that are not ABA therapy, such as a 1:1 aide delivered simultaneously during classroom instruction, or for services covered under IDEA — but school ABA does cover coordination of services, including teacher training, meetings with school personnel, and observations in the school setting. The treatment plan must be coordinated with the school and any applicable IFSP or IEP. [1]
- **Bill as provider** _(plan-dependent)_: Optum's criteria define who may render — a master's- or doctoral-level BCBA, a licensed behavioral health clinician attested and credentialed to provide ABA, or a BCaBA or non-licensed technician under the direct supervision of one of those — but publish no rendering-versus-supervising NPI rule. [1]
  - Ask the plan: Optum provider services via Provider Express and the participating-provider agreement — claim-attribution rules are contractual.
- **Concurrent billing (97153 + 97155):** Not published / unverified. Verify via: Optum/UnitedHealthcare reimbursement policy via Provider Express, or the participating-provider agreement. [1]
- **Session-note signature** _(ask the plan)_: Optum's criteria specify the content that must be documented — goals and objectives, baseline behaviors, frequency, intensity, duration and progress-measurement method for each intervention, the percentage of planned sessions attended, and progress against standardized norm-referenced adaptive measures — but do not state who must sign a session note or when. [1]
  - Ask the plan: Optum provider services via Provider Express — the supplemental clinical criteria carry no signature standard.

## What intake should collect for UnitedHealthcare / Optum in Texas

- **Plan funding type:** Fully insured (mandate applies) vs. self-funded ERISA (exempt) — it decides which rulebook governs. Ask for the employer and check the card.
- **Line of business:** Commercial vs. UnitedHealthcare Community Plan of Texas (Medicaid) — different rules, different guide.
- **Diagnosis date vs. age 10:** The mandate's eligibility gate: was the ASD diagnosis made before the 10th birthday? Capture the exact dx date.
- **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.

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

## Verification of benefits (VOB) data

How UnitedHealthcare / Optum in Texas ABA benefits route and read on an eligibility check. Data last updated 2026-07-23.

### EDI routing

- **Payer ID (pVerify):** 00192
- **Payer ID (Availity):** 87726
- **Supports 270/271 eligibility:** Yes
- **Behavioral health administrator:** Optum Behavioral Health

### How the 271 reports ABA benefits

- **ABA benefit bucket (service type code):** MH — UHC's own EDI feed (87726) formally supports MH/A4-A8 with financial detail, but whether members whose ABA benefit is carved to Optum Behavioral Health actually receive populated MH-flavor detail through this SAME feed — versus a referral/vendor-lookup stub via the guide's own documented EB*U 'vendor' segment mechanism — is not resolved by any source found this pass. Confirm via Provider Express / UHC provider services for the specific plan.
- **Deductible applies to ABA:** yes — Same open question as abaBenefitBucket — confirm whether the carved-out BH benefit populates deductible detail on this feed.
- **Cost-share type:** plan-dependent — Both copay and coinsurance are structurally supported per plan; which applies to a given member is plan-document-specific.
- **271 response quality for ABA:** high

### Code-level coverage

| Code | Covered | Prior auth | Unit cap | Place of service | Telehealth | Modifiers |
| --- | --- | --- | --- | --- | --- | --- |
| 97151 | Yes | Required — step 1 of Optum's two-step authorization (assessment auth via Provider Express), then step 2 treatment auth; continued-service reviews every 4–6 months | 32 units/day (≤8 hrs) per day | — | — | HN, HO, HP |
| 97152 | Yes | Required — step 1 of Optum's two-step authorization (assessment auth via Provider Express), then step 2 treatment auth; continued-service reviews every 4–6 months | 16 units/day (≤4 hrs) per day | — | — | HN, HM, HO, HP |
| 97153 | Yes | Required — step 1 of Optum's two-step authorization (assessment auth via Provider Express), then step 2 treatment auth; continued-service reviews every 4–6 months | 32 units/day (≤8 hrs) per day | — | — | HN, HM, HO, HP |
| 97154 | Yes | Required — step 1 of Optum's two-step authorization (assessment auth via Provider Express), then step 2 treatment auth; continued-service reviews every 4–6 months | 18 units/day (≤4.5 hrs) per day | — | — | HN, HM, HO, HP |
| 97155 | Yes | Required — step 1 of Optum's two-step authorization (assessment auth via Provider Express), then step 2 treatment auth; continued-service reviews every 4–6 months | 24 units/day (≤6 hrs) per day | — | — | HN, HO, HP |
| 97156 | Yes | Required — step 1 of Optum's two-step authorization (assessment auth via Provider Express), then step 2 treatment auth; continued-service reviews every 4–6 months | 16 units/day (≤4 hrs) per day | — | — | HN, HO, HP |
| 97157 | Yes | Required — step 1 of Optum's two-step authorization (assessment auth via Provider Express), then step 2 treatment auth; continued-service reviews every 4–6 months | 16 units/day (≤4 hrs) per day | — | — | HN, HO, HP |
| 97158 | Yes | Required — step 1 of Optum's two-step authorization (assessment auth via Provider Express), then step 2 treatment auth; continued-service reviews every 4–6 months | 16 units/day (≤4 hrs) per day | — | — | HN, HO, HP |
| 99366 | Yes | Required — step 1 of Optum's two-step authorization (assessment auth via Provider Express), then step 2 treatment auth; continued-service reviews every 4–6 months | day | — | — | — |
| 0362T | Yes | Required — step 1 of Optum's two-step authorization (assessment auth via Provider Express), then step 2 treatment auth; continued-service reviews every 4–6 months | 16 units/day (≤4 hrs) per day | — | — | — |
| 0373T | Yes | Required — step 1 of Optum's two-step authorization (assessment auth via Provider Express), then step 2 treatment auth; continued-service reviews every 4–6 months | 32 units/day (≤8 hrs) per day | — | — | — |

Code notes:

- **97151, 97152, 97153, 97154, 97155, 97156, 97157, 97158, 99366, 0362T, 0373T:** Unit caps and modifiers sourced from Optum's national ABA Reimbursement Policy (2022RP501A) — Optum's ABA State Mandates supplement has no Texas entry (confirmed), so this national policy is applied as 'inferred' absent a confirmed Texas-specific override. Verify via: Provider Express / UHC provider services.

### Contacts

- **Provider services phone:** 877-842-3210
- **Phone menu path:** Behavioral health/substance-use line (Optum): 877-614-0484, 24/7.
- **Portal:** [UnitedHealthcare Provider Portal](https://www.uhcprovider.com/)

Questions to ask on a verification call:

- Since ABA is administered via Optum's two-step Provider Express authorization, what EDI payer ID routes the BH-side eligibility check, and does eligibility itself require two hops or just the PA/UM step?
- Is ABA administered on the medical or behavioral-health side of this member's plan?
- What POS settings are allowed for ABA codes, and is telehealth permitted for any of 97151–97158, 0362T, or 0373T?
- Is the ABA copay or coinsurance charged per visit or per day?
- Does the plan's out-of-pocket maximum apply to ABA services?
- Is there a daily unit cap for 99366 (interdisciplinary team meeting)?

### 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)
- https://public.providerexpress.com/content/dam/ope-provexpr/us/pdfs/clinResourcesMain/autismABA/abaSCC.pdf (accessed 2026-07-23)
- https://public.providerexpress.com/content/dam/ope-provexpr/us/pdfs/clinResourcesMain/guidelines/scc/ABA_SCC_SM.pdf (accessed 2026-07-23)
- 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.uhcprovider.com/content/dam/provider/docs/public/resources/edi/EDI-270-271-Companion-Guide-005010X279A1.pdf (accessed 2026-07-23)
- https://public.providerexpress.com/content/dam/ope-provexpr/us/pdfs/clinResourcesMain/guidelines/reimbPolicies/abaReimburs2020s.pdf (accessed 2026-07-23)
- https://www.uhcprovider.com/en/contact-us.html (accessed 2026-07-23)

## Common questions

### Does UnitedHealthcare cover ABA therapy in Texas?

Yes — under Optum's national clinical criteria for ASD, layered on Texas's mandate (Tex. Ins. Code § 1355.015) for state-regulated group plans. Self-funded employer plans are exempt from the mandate, so always verify plan funding type first.

### What does the Texas autism mandate require?

For covered group plans: treatment coverage from the date of diagnosis, provided the ASD diagnosis was made before the child's 10th birthday (coverage continues once eligible), with no dollar cap under 10 and a $36,000/year ABA cap at 10+ that federal parity arguably limits for large-group plans.

### Does Optum have Texas-specific ABA criteria?

No — Optum's ABA State Mandates supplement contains no Texas entry, so its standard national criteria apply, with the Texas mandate as the legal floor for state-regulated plans.

### What does UnitedHealthcare pay for ABA in Texas?

Commercial ABA rates are not published — they are negotiated in your participating-provider agreement. Benchmark against the Texas Medicaid fee schedule (97153 at $14.50 per 15-minute unit effective 9/1/2025), and treat rate-setting as part of contracting.

## Primary sources

1. [Optum ABA Supplemental Clinical Criteria (BH803ABASCC)](https://public.providerexpress.com/content/dam/ope-provexpr/us/pdfs/clinResourcesMain/autismABA/abaSCC.pdf)
2. [Optum — ABA State Mandates supplemental criteria (BH803ABA STM 1/2026)](https://public.providerexpress.com/content/dam/ope-provexpr/us/pdfs/clinResourcesMain/guidelines/scc/ABA_SCC_SM.pdf)
3. [Tex. Ins. Code § 1355.015 (full text + history)](https://texas.public.law/statutes/tex._ins._code_section_1355.015)
4. [Tex. Ins. Code § 1355.002 (applicability)](https://texas.public.law/statutes/tex._ins._code_section_1355.002)
5. [Tex. Ins. Code § 1355.003 (exceptions)](https://texas.public.law/statutes/tex._ins._code_section_1355.003)
6. [TDLR — Behavior Analysts program (Occupations Code Ch. 506)](https://www.tdlr.texas.gov/bhv/)
7. [2026 UnitedHealthcare Care Provider Administrative Guide (Commercial, Exchange, MA) (PDF)](https://www.uhcprovider.com/content/dam/provider/docs/public/admin-guides/2026-UHC-Administrative-Guide.pdf)
8. [Optum ABA FAQ (Provider Express)](https://public.providerexpress.com/content/dam/ope-provexpr/us/pdfs/clinResourcesMain/autismABA/abaFAQ.pdf)
9. [Tex. Ins. Code § 843.348 — HMO preauthorization](https://texas.public.law/statutes/tex._ins._code_section_843.348)
10. [Tex. Ins. Code § 1301.135 — PPO preauthorization](https://texas.public.law/statutes/tex._ins._code_section_1301.135)
11. [28 Tex. Admin. Code § 19.1718 — Preauthorization for HMOs and PPOs (incl. renewal requests)](https://www.law.cornell.edu/regulations/texas/28-Tex-Admin-Code-SS-19-1718)
12. [29 CFR § 2560.503-1(f)(2) — ERISA group health plan claim decision deadlines](https://www.ecfr.gov/current/title-29/subtitle-B/chapter-XXV/subchapter-F/part-2560/section-2560.503-1)
13. [Optum Behavioral Health Solutions National Network Manual (eff. Oct. 1, 2025) (PDF)](https://public.providerexpress.com/content/dam/ope-provexpr/us/pdfs/clinResourcesMain/guidelines/netwManual/2024/NNMJune2024.pdf)
14. [28 Tex. Admin. Code § 3.3507 — COB order of benefits](https://www.law.cornell.edu/regulations/texas/28-Tex-Admin-Code-SS-3-3507)
15. [TMPPM Vol. 1, Section 8: Third Party Liability (TPL)](https://www.tmhp.com/sites/default/files/microsites/provider-manuals/tmppm/html/TMPPM/1_08_Third_Party_Liability/1_08_Third_Party_Liability.htm)
16. [TMPPM Vol. 1, Section 5: Prior Authorization, § 5.1.4 (clients with private insurance)](https://www.tmhp.com/sites/default/files/microsites/provider-manuals/tmppm/html/TMPPM/1_05_Prior_Authorization/1_05_Prior_Authorization.htm)
17. [32 CFR § 199.8 — TRICARE double coverage](https://www.ecfr.gov/current/title-32/subtitle-A/chapter-VII/part-199/section-199.8)
18. [VA — CHAMPVA Guidebook (updated Jan. 1, 2025) (PDF)](https://www.va.gov/files/2025-12/CHAMPVA-Guidebook.pdf)

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.