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