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AetnaCommercial · Coverage · Medical Policy · OphthalmologyMedium impact

Fundus Photography (CPB 0539, reviewed 2026-08-21)

Effective date
Not stated in the notice
Identified
Oct 2, 2026

Summary

Aetna's clinical policy bulletin considers fundus photography medically necessary only after a dilated fundoscopic exam shows one of the listed conditions, including diabetic retinopathy and/or macular edema, age-related macular degeneration, glaucoma and glaucoma suspects, and baseline screening for members starting long-term hydroxychloroquine or chloroquine therapy. Fundus photography of a normal retina is considered not medically necessary, and it is considered medically necessary no more than two times per year unless more frequent testing is justified in the medical record. Fundus photography as a screening tool without a dilated fundus exam, and fundus photography for all other indications not listed as covered, is considered experimental, investigational, or unproven.

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What to do

Action · 7 steps
01Billing team: Claims for fundus photography (CPT 92250) need documentation of a dilated fundoscopic exam showing one of the listed indications.
02Document each photograph's eye, the date taken and the date reviewed, the findings and any changes from prior fundus photographs, an interpretation, and whether the treatment plan will change as a result.
03Fundus photographs without an interpretation are considered not medically necessary.
04Justify any testing above two times per year in the medical record.
05Baseline fundus photography before starting MEK inhibitor therapy (binimetinib, cobimetinib, trametinib) is considered not medically necessary.
06Records must be legible, include the patient's complete name and dates of service, and identify the physician or non-physician practitioner providing the care.
07For glaucoma, the interpretation must include the vertical and horizontal cup/disc ratio, the presence or absence of diffuse or focal pallor, asymmetry, and progression.

Codes mentioned

922509213292133921349213792270

Original notice

Fundus Photography (CPB 0539, reviewed 2026-08-21)
aetna.com · Always check the source before changing claims.
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