Gold Carding Program

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Gold Carding Program

Last Updated: Monday, March 02, 2026

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The information on this page is applicable to providers in Delaware, New York, and Pennsylvania. The Gold Card program in West Virginia is regulated by a state mandate. For information specific to the West Virginia Gold Card program, please see the Highmark Provider Manual Chapter 5, Unit 2.

Clinician Roster

To view a current master list of Gold Carded clinicians, click the link below.

 

Eligible CPT Codes – Gold Card-eligible procedures and codes are identified in the prior authorization list for your region:

Value of Gold Carding

According to the March 2023 American Medical Association (AMA) physician survey, patients and clinicians are frustrated by the delays in care due to the current utilization management process. The Gold Card program provides expedited prior authorization for clinicians who demonstrate adherence to appropriate clinical criteria.

The following is the link to access the March 2023 AMA physician survey:

Across the industry, the current state of utilization review and management is too often a barrier to good health. While prior authorizations are intended to ensure compliance with evidence-based practices, they can be an obstacle to appropriate care, delaying diagnosis and treatment.

The following is a link to a September 2024 Highmark Health Digital Magazine article:

Program Overview

Eligibility*

  • Individual clinicians with a minimum submission history of three* cases per gold carded modality are eligible.
  • Individual clinicians must have a 99%* or higher approval rating for the specified gold carded Current Procedural Terminology (CPT) codes and modalities.
  • Plans must be one of the following: Commercial, Affordable Care Act, Medicare Advantage. 
  • Pre-notification must be submitted per the details below. Pre-notifications can be submitted using the same process as a normal authorization request via the Availity Essentials provider portal.

 

*Eligibility criteria can vary in accordance with state mandates. 

Enrollment 

  • Highmark automatically enrolls clinicians bi-annually, when eligibility criteria are met.
  • Highmark sends out communication to the qualifying clinician practice when auto-enrolled in the program.

 

Management 

  • Once the clinician is Gold Carded, Highmark monitors ordering trends.
  • Highmark conducts random and/or targeted auditing based on program enrollment and utilization variances.

Frequently Asked Questions

  • Highmark requires Gold Carded clinicians to submit a pre-notification that includes the member information, procedure code, and diagnosis code for the order. This process takes approximately three minutes end-to-end. Compare that to our normal authorization submission process, which can take up to 20 minutes per authorization, depending on the submission channel.
  • Pre-notification is required for three reasons:
    1. The pre-notification process checks eligibility and benefits coverage for the member, which ensures there are no issues with claims payment on the back end.
    2. Authorization request volume is a leading metric for the Gold Card program to ensure we are not seeing variances in utilization among Gold Carded clinicians.
    3. Authorization data combined with claims data are key sources used to identify members for case and disease management programs.

Gold Card Modalities as of 3/1/2026

Bariatric Surgery*

CT Scans

Hysterectomy

Neurostimulators*

Sleep Studies

Capsule Endoscopy

Diagnostic Heart Cath

Interventional Pain

Nuclear Medicine

Tonsil and Adenoid Surgery

Cardiac Devices

ECHO

Joint Surgery

PET and Cardiac PET

Varicose Vein Treatment*

Cardiac Surgery

Foot Surgery*

MRI/MRA/3D-Imaging

Prostatectomy

Vascular Surgery

Cataract Surgery*

Hyperbaric Therapy

Nasal Endoscopy and Septoplasty

Reconstructive Surgery*

 

*New as of the March 2026 Spring Refresh

  • Highmark conducts monthly audits, both random (using a statistically significant sample) and targeted (based on utilization), to ensure clinicians are acting in accordance with medical policy and medical necessity requirements.
  • Failure to submit clinical documentation will result in the appropriate remediation steps, which include, but are not limited to, subsequent outreach and additional audits. Please note that a lack of response or concurrent audit failures can result in removal from the Gold Card program.
  • If it is determined that you are not acting in accordance with our medical policy or medical necessity requirements, Highmark reserves the right to remove you from the program.
  • Audits have no impact on Gold Carded authorizations that have already been approved.
  • There is no application process for the Enterprise Gold Card program or additional modalities qualification.
  • Clinician performance for Enterprise Gold Card program qualifications is assessed bi-annually during spring and fall program refreshes.
  • Practices and clinicians can review their performance via the "Analytics Authorization Performance (Auth P) Tool within Provider Facing Analytics, which is accessible via Availity’s Payer Spaces.
  • Qualifying clinicians will receive direct communications and be added to the Master Gold Card Clinician roster, which is available on the Provider Resource Center.
  • For non-qualifying practices and/or clinicians, Highmark offers the Active Gold Card engagement. This program provides a partnership to improve authorization performance through our Clinical Concierge and/or Systems Insight Optimization model. Successful completion of this engagement can lead to qualification for the Enterprise Gold program.

 

  • Highmark will continue to evaluate the codes eligible for the Gold Card program.
  • Any future changes to eligible Gold Card codes will be implemented during the spring and fall program refreshes.

 

For additional questions or to report an issue, please email goldcardinquiries@highmark.com.

Gold Card Pre-notification Process

Providers will follow a simplified pre-notification process once they are Gold Carded:

  • Submit the pre-notification using the standard authorization request workflow.
  • The following information should be included when submitting the pre-notification: 
    • Member ID, name, and date of birth 
    • Procedure, ordering provider, place of service, primary diagnosis code 
    • Person submitting the information and phone number  
    • Performing provider if available  
  • The system automatically recognizes the Gold Card eligibility based on the provider and CPT code, triggering these immediate benefits:  
    • No clinical information is needed.  
    • Instant approval is granted without additional review.  
    • Important: A pre-notification must always be submitted for claims payment, regardless of Gold Card program status. 
  • For additional questions or to report an issue, please email goldcardinquiries@highmark.com.