Gold Carding Program

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Gold Carding Program

Last Updated: Tuesday, September 02, 2025

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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:

*Scroll to see video disclaimer

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 auditing 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.

Treatment Modalities (as of 9/2/25)

 CT

 MRI/MRA/3DI

 ECHO

 Interventional Pain*

 Hysterectomy*

 Cardiac Devices**

 Nuclear Medicine

 Hyperbaric

 Cardiac Surgery**

 Diagnostic Heart Cath

 Sleep Studies

 Capsule Endoscopy

 Joint Surgery*

 Nasal Endoscopy and Septoplasty

 Tonsil and Adenoid Surgery**

 Nuclear Medicine

 Prostatectomy**

 Vascular Surgery**

 PET/PET CT

 

 

*New as of the March 2025 Spring Refresh

**New as of the September 2025 Fall Refresh

  • Highmark conducts monthly random (statistically significant sample) and targeted auditing 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 being executed, which include, but are not limited to, subsequent outreach, additional audits, and a lack of response being considered a failed audit. Please note that concurrent audit failures are grounds for removal from the 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 to qualify for the Enterprise Gold Card program is assessed bi-annually during spring and fall program refreshes.
  • Practices and clinicians can review their performance by going to Authorization Performance within Provider Facing Analytics, which is accessible via Availity’s Payer Spaces.
  • Qualifying clinicians will receive communications and are added to the Master Gold Card roster found on the Provider Resource Center.
  • Non-Qualifying practices and/or clinicians can be selected for the Active Gold Card engagement, where we partner together to support auth performance improvements through our Clinical Concierge and/or Systems Insight Optimization model, whereby at the end of the engagement, practices and/or clinicians can qualify for the Enterprise Gold Card program.

 

  • Highmark will continue to evaluate the codes eligible for the Gold Card program.
  • Future changes to the codes eligible for Gold Card will be added to the Gold Card program during 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 following the same process as beginning an authorization request.  
  • 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 will recognize the provider and CPT code as meeting Gold Card program criteria. 
    • No clinical information is needed.  
    • Approval is granted immediately without additional review.  
    • A pre-notification must be submitted for claims to pay regardless of Gold Card program status. 
  • For additional questions or to report an issue, please email goldcardinquiries@highmark.com.

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