Guide
RTM Payer Coverage Matrix 2026
Which payers cover RTM codes in 2026 — and what each requires for reimbursement.
What’s inside
Everything you need to act on this
- Medicare RTM coverage and 2025 national average rates for CPT 98975–98981
- Top 10 commercial payer RTM policies — UHC, Anthem, Aetna, Cigna, BCBS, Humana, and more
- State Medicaid RTM coverage status by region
- Documentation requirements that differ by payer
- Denial prevention checklist — what each payer requires on first submission
- Appeals guidance for the most common RTM denial reasons
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