Medicare AdvantagePrior AuthHigh impact
Upper and Lower Extremity Magnetic Resonance Imaging (MRI) - Medicare Advantage (Revised)
Humana·Orthopedics, Sports Medicine, Radiology +5 more·Medicare Advantage
Effective date
Jul 1, 2026
We identified it
Sep 4, 2026
Summary
Humana Medicare Advantage has updated its medical necessity criteria for upper and lower extremity MRI (CPT 73221, 73222, 73223, 73721, 73722, 73723). The policy, effective July 1, 2026, establishes specific clinical indications required for MRI approval, including mandatory completion of first-line imaging (ultrasound or x-ray) before MRI for most conditions. This replaces previous guidance and applies across all Medicare Advantage jurisdictions.
Action Required
By June 30, 2026: Billing and clinical teams must implement the new medical necessity criteria for all upper and lower extremity MRI requests. Specific requirements: (1) Coding/Billing Team: Update billing system templates and prior authorization rules to enforce the mandatory first-line imaging requirement (ultrasound or x-ray documentation must be present before MRI approval). (2) Prior Authorization Staff: Review all pending and future MRI requests against the expanded clinical indication list (40+ covered indications including rotator cuff pathology, labral pathology, meniscal disorders, bone infections, soft tissue masses, trauma, suspected occult fractures, and post-operative evaluations). (3) Provider Education: Distribute the specific covered indications to orthopedic, sports medicine, and primary care providers; emphasize that MRI requests without documented first-line imaging or clinical indication from the approved list will be denied. (4) EMR/Documentation: Ensure provider encounter templates prompt for documentation of completed first-line imaging and the specific clinical indication. Consequence: MRI claims submitted without evidence of first-line imaging completion or without meeting one of the specified clinical indications will be denied as not medically necessary.