| Is the Benefit Covered? |
Copayment Requirement |
Prior Approval Requirement |
Coverage Limitations |
Reimbursement Methodology |
Populations Covered |
|
|
Alabama
|
|
Yes
|
$3/non-emergency visit in ER
|
|
3 non-emergency visits/year unless outpatient surgery, lab, dialysis, radiation or chemotherapy, non-emergency visit to ER counts toward both outpatient and physician visit limits
|
Fee for service
|
CN
|
|
Alaska
|
|
Yes
|
5% of payment for non-emergency services
|
Specified surgical procedures
|
Outpatient psych and substance abuse not covered
|
Prospective cost based rate using percentage of charge
|
CN
|
|
Arizona
|
|
Yes
|
$5/non-emergency visit in ER
|
Specified surgical procedures, rehab services
|
Coverage of outpatient occupational therapy and speech pathology services limited to ALTCS members - see state-specific FN
|
All-inclusive rate per episode of care using Medicare groupings for most surgical procedures or fee for service
|
CN & MN
|
|
Arkansas
|
|
Yes
|
|
Specified surgical procedures
|
12 non-emergency visits/year
|
Cost based payment for pediatric, teaching and critical access hospitals; fee for service for other hospitals
|
CN & MN
|
|
California
|
|
Yes
|
$5/non-emergency visit in ER, $1/visit for other services
|
|
|
Fee for service, state may negotiate all-inclusive per visit rates with certain hospitals
|
CN & MN
|
|
Colorado
|
|
Yes
|
$3/visit
|
|
|
Cost based payment
|
CN
|
|
Connecticut
|
|
Yes
|
null
|
|
1 visit/day
|
Fee for service or percentage of charge
|
CN & MN
|
|
Delaware
|
|
Yes
|
|
|
|
Cost based payment
|
CN
|
|
District of Columbia
|
|
Yes
|
|
|
Cosmetic and oral surgery limited to emergency repair due to injury or trauma
|
Cost based payment
|
CN & MN
|
|
Florida
|
|
Yes
|
5% of payment up to $15/visit for non-emergency services in the ER, $3/visit for other services
|
|
$1,500/year for non-emergency services (excluding surgery)
|
Prospective cost based per diem or rate per service, lab and x-ray services paid fee for service
|
CN & MN
|
|
Georgia
|
|
Yes
|
$3/non-emergency visit
|
Specified procedures
|
Observation limited to 48 hours
|
Cost based payment using percentage of charge
|
CN & MN
|
|
Hawaii
|
|
Yes
|
|
|
|
All-inclusive rate per episode of care using Medicare groupings for most surgical procedures or fee for service with limits
|
CN & MN
|
|
Idaho
|
|
Yes
|
$3/non-emergency visit in ER
|
Specified services
|
6 ER visits/year if no admission, varying visit limits for therapies including psych which may be included in limits with other providers
|
Fee for service using hospital cost as upper limit
|
CN
|
|
Illinois
|
|
Yes
|
|
Specified surgical procedures
|
|
Fee for service or prospective rate/visit
|
CN & MN
|
|
Indiana
|
|
Yes
|
$3/non-emergency visit in ER
|
|
|
Fee for service, with surgical procedures grouped using Medicare methodology
|
CN
|
|
Iowa
|
|
Yes
|
|
|
Varying visit limits for cardiac rehab, behavioral health and substance abuse, eating disorder and pain management therapies
|
Fee for service, with surgical procedures grouped using Medicare methodology, ancillaries paid at Medicare rates
|
CN & MN
|
|
Kansas
|
|
Yes
|
$3/non-emergency visit
|
|
Non-emergency visits count toward physician visit limit, rehab must be restorative
|
Fee for service
|
CN & MN
|
|
Kentucky
|
|
Yes
|
A, C & D - $3/ambulatory visit; A, B, C & D - 5% of payment for non-emergency visit in ER up to $6
|
|
|
Fee for service with surgical procedures grouped using Medicare methodology or cost based payment
|
A, B, C & D - See state-specific FN
|
|
Louisiana
|
|
Yes
|
|
|
3 ER visits/year and count against physician visit limit, no limit for CommunityCare enrollees
|
Cost based payment or fee for service
|
CN & MN
|
|
Maine
|
|
Yes
|
$.50-$3/day, depending on payment, up to $30/month
|
|
|
Cost based payment with limits
|
CN & MN
|
|
Maryland
|
|
Yes
|
|
|
|
Fee for service using rates approved by cost review commission
|
CN & MN
|
|
Massachusetts
|
|
Yes
|
|
|
|
Hospital-specific episode-baed payment/day, excludes physician and lab services
|
CN & MN
|
|
Michigan
|
|
Yes
|
$3/non-emergency visit in ER, $1/hospital clinic visit
|
|
|
Fee for service, with surgical procedures grouped using Medicare methodology, satellite clinics in health shortage areas paid higher rates
|
CN & MN
|
|
Minnesota
|
|
Yes
|
$6/non-emergency visit in ER, $3/visit for non-preventive service
|
|
|
Payments based on Medicare methodology, cost based payment for critical access hospitals
|
A & B - See state-specific FN
|
|
Mississippi
|
|
Yes
|
$3/non-emergency visit
|
|
6 ER visits/year
|
Cost based payment using hospital cost to charge ratio
|
CN
|
|
Missouri
|
|
Yes
|
$3/day
|
Specified services
|
Selected elective surgeries require second opinion
|
Percentage of charge
|
CN & MN
|
|
Montana
|
|
Yes
|
$5/visit
|
|
|
Fee for service with surgical procedures grouped using Medicare methodology, cost based payment for critical access hospitals
|
A & B - See state-specific FN
|
|
Nebraska
|
|
Yes
|
$3/visit
|
|
No visit payable within 3 days of inpatient admission, substance abuse treatment not covered
|
Percentage of charge with limits, lab services paid fee for service, cost based payment for critical access hospitals
|
CN & MN
|
|
Nevada
|
|
Yes
|
|
Specified services
|
|
Fee for service with surgical procedures grouped using Medicare methodology
|
CN
|
|
New Hampshire
|
|
Yes
|
|
|
12 visits/year, visits for therapy included in limits with other specified practitioners
|
Percentage of charge
|
CN & MN
|
|
New Jersey
|
|
Yes
|
|
|
Non-emergency services in ER not covered
|
Cost based payment
|
CN & MN
|
|
New Mexico
|
|
Yes
|
A - $15/non-emergency visit to ER and $5/visit for other services, B - $20/non-emergency visit to ER and $5/visit for other services - see state-specific FN
|
Allergy testing and treatment, therapies
|
|
Cost based payment with limits
|
CN
|
|
New York
|
|
Yes
|
$3/visit
|
|
10 outpatient visits/year in combination with other specified providers
|
Prospective all-inclusive rate with limits, some services fee for service
|
CN & MN
|
|
North Carolina
|
|
Yes
|
$3/visit
|
More than 8 outpatient psychiatric visits
|
22 ambulatory visits/year included in limits with other specified practitioners - limits set annually by the legislature
|
Prospective cost based rate or fee for service
|
CN & MN
|
|
North Dakota
|
|
Yes
|
$6/non-emergency visit in ER
|
|
30 SP visits/year included in limits for other providers of therapy services
|
Fixed percentage of charge
|
CN & MN
|
|
Ohio
|
|
Yes
|
$3/non-emergency visit in ER
|
|
|
Fee for service or prospective payment based on percentage of charge
|
CN
|
|
Oklahoma
|
|
Yes
|
$3/day
|
Specified surgical procedures and other services
|
Outpatient behavioral health services not covered for nursing facility residents
|
Fee for service using surgical group rates, ancillaries paid separately
|
CN
|
|
Oregon
|
|
Yes
|
A - $3/visit
|
Specified surgical and therapy procedures
|
|
Cost based payment with limits
|
A & B - See state-specific FN
|
|
Pennsylvania
|
|
Yes
|
$.50-$3/service, depending on payment rate
|
|
Frequency limits vary by service
|
Fee for service
|
CN & MN
|
|
Rhode Island
|
|
Yes
|
$3/non-emergency visit in ER
|
Physical and occupational therapy, speech pathology
|
|
Prospective payment with surgical procedures grouped using Medicare methodology
|
CN & MN - see state-specific FN
|
|
South Carolina
|
|
Yes
|
$3/non-emergency visit in ER
|
|
|
Fee for service
|
CN
|
|
South Dakota
|
|
Yes
|
5% of payment up to $50/visit, non-emergency only
|
|
Substance abuse treatment not covered, cosmetic surgery limited to emergency repair due to injury or trauma
|
Cost based payment
|
CN
|
|
Tennessee
|
|
Yes
|
B1 - $25/ER visit if not admitted, B2 - $50/ER visit if not admitted
|
|
$30,000 limit/lifetime for drug and alcohol treatment across all types of providers
|
|
A & B - See state-specific FN
|
|
Texas
|
|
Yes
|
|
Specified services
|
|
Cost based payment, prospective payment with surgical procedures grouped using Medicare methodology
|
CN & MN
|
|
Utah
|
|
Yes
|
A & B - $6/non-emergency visit in ER, C - $30/non-emergency visit in ER
|
|
B - outpatient psych and substance abuse services limited to 30 days/year and included in inpatient limit, C - services limited to emergency treatment in ER
|
Prospective cost based rate with higher rates for rural hospitals, some services paid fee for service or all-inclusive rate
|
A, B & C - See state-specific FN
|
|
Vermont
|
|
Yes
|
A - $3/day, B - $25/medically necessary visit in ER
|
|
|
Fee for service, with surgical procedures grouped using Medicare methodology
|
A & B - See state-specific FN
|
|
Virginia
|
|
Yes
|
$3/visit
|
Specified services
|
Limits vary by service
|
Cost based payment with limits
|
CN & MN
|
|
Washington
|
|
Yes
|
$3/non-emergency visit in ER
|
Specified services
|
null
|
Most urban hospitals paid prospective cost based rates, rural hospitals paid prospective percentage of charge
|
CN & MN
|
|
West Virginia
|
|
Yes
|
|
Specified surgical procedures and other services
|
|
Fee for service
|
A & B
|
|
Wisconsin
|
|
Yes
|
$3/visit, $.50/day for psych day treatment
|
Specified surgical procedures and other services
|
Outpatient psych services limited to 5 hours/day up to 120 hours/month and 40 hours/year for nursing facility residents; occupational therapy, physical therapy and speech pathology services must be billed as if rendered by the therapist and are reimbursed accordingly
|
Cost based payment with limits
|
CN & MN
|
|
Wyoming
|
|
Yes
|
$6/non-emergency visit in ER
|
|
12 visits/year in combination with physician office visits, therapy services must be restorative and are limited to 20 visits/year across all therapy providers
|
Payment based on Medicare Outpatient Prospective Payment System methodology
|
CN
|
|
American Samoa
|
|
Yes
|
|
|
|
|
See territory-specific FN
|
|
Guam
|
|
Yes
|
|
Non-emergency therapy services, CT-scans
|
|
Negotiated rate/service
|
CN
|
|
Northern Mariana Islands
|
|
Yes
|
|
|
|
|
CN & MN - See territory-specific FN
|
|
Puerto Rico
|
|
Yes
|
|
|
Elective surgery requires primary care physician referral
|
Fee for service with capitated payment for primary care
|
CN & MN
|
|
Virgin Islands
|
|
Yes
|
|
|
Services in public health facilities only
|
Fee for service
|
CN
|