USAA Insurance Code – How To Find Insurance Company Codes

About the USAA Insurance Company

The United Services Automobile Association (USAA) is a San Antonio-based Fortune 500 diversified financial services group of companies including a Texas Department of Insurance-regulated reciprocal inter-insurance exchange and subsidiaries offering banking, investing, and insurance to people and families who serve, or served, in the United States Armed Forces. USAA Insurance Code is 25968. At the end of 2017, it had 12.4 million members.

USAA was founded in 1922 in San Antonio by a group of 25 U.S. Army officers as a mechanism for mutual self-insurance when they were unable to secure auto insurance because of the perception that they, as military officers, were a high-risk group. USAA has since expanded to offer banking and insurance services to past and present members of the Armed Forces, officers and enlisted, and their families. The company ranked No. 100 in the 2018 Fortune 500 list of the largest United States corporations by total revenue.

Insurance companies that are authorized to sell insurance in that state. While NAIC codes are standardized across the nation, DMV (Department of Motor Vehicles) codes are specific to individual states and issued by a state’s insurance commissioner, as each state has different insurance laws and regulations. 

As a consumer, you do not really need to know which company is assigned which codes while shopping for auto insurance. This is something you do not need to know until after you have purchased insurance.

USAA Insurance Code – How To Find Insurance Company Codes

Insurance company codes can be useful for looking up financial reports, complaints, and enforcement actions. If you’re looking for an NAIC code, you can visit the NAIC website for a list of insurance companies’ codes. DMV (Department of Motor Vehicles) codes should be listed on your insurance card, and may be needed in order to register your vehicle. Contact your car insurance provider for more information.

Listed below are the NAIC (Department of Motor Vehicles) codes for our top 12 best car insurance providers for your convenience:

USAA Insurance Code
  1. USAA insurance code: 25968
  2. Geico insurance code: 41491
  3. State Farm insurance code: 25178
  4. Progressive insurance code: 24260
  5. AAA insurance code: 71854
  6. Liberty Mutual insurance code: 23043
  7. Allstate insurance code: 37907
  8. The Hartford insurance code: 19062
  9. Nationwide insurance code: 23787
  10. Farmers insurance code: 21652
  11. Travelers insurance code: 41769
  12. Root insurance code: 10974

Importance of Insurance Codes

EOBs, insurance claim forms, and medical bills from your doctor or hospital can be difficult to understand because of the use of codes to describe the services performed and your diagnosis. These codes are often used instead of plain English and it may be useful for you to learn about these codes, especially if you have one or more chronic health problem.

For example, millions of Americans have type 2 diabetes along with high blood pressure and high cholesterol. This group of people is likely to have more health services than the average American and, therefore, will need to review more EOBs and medical bills.

1: Coding Systems: Health plans, medical billing companies, and healthcare providers use three different coding systems. These codes were developed to make sure that there is a consistent and reliable way for health insurance companies to process claims from healthcare providers and pay for health services.

2: Current Procedural Terminology: Current Procedural Terminology (CPT) codes are used by physicians to describe the services they provide. Your doctor will not be paid by your health plan unless a CPT code is listed on the claim form.

CPT codes are developed and updated by the American Medical Association (AMA). Unfortunately, the AMA does not provide open access to the CPT codes. Medical billers who use the codes must purchase coding books or online access to the codes from the AMA.

The AMA site allows you to search for a code or the name of a procedure. However, the organization limits you to no more than five searches per day (you have to create an account and sign in to be able to use the search feature).

Also, your doctor may have a sheet (called an encounter form or “superbill”) that lists the most common CPT and diagnosis codes used in her office. Your physician’s office may share this form with you.

Some examples of CPT codes are:

  • 99201: Office or other outpatient visit for the evaluation and management of a new patient
  • 93000: Electrocardiogram
  • 36415: Collection of venous blood by venipuncture (drawing blood)

3: Healthcare Common Procedure Coding System: The Healthcare Common Procedure Coding System (HCPCS) is the coding system used by Medicare. Level I HCPCS codes are the same as the CPT codes from the American Medical Association.

SEE ALSO: Health Insurance after leaving a job | Everything you need to know

Medicare also maintains a set of codes known as HCPCS Level II. These codes are used to identify products, supplies, and services not included in the CPT codes, such as ambulance services and durable medical equipment (wheelchairs and hospital beds), prosthetics, orthotics, and supplies that are used outside your doctor’s office.

Some examples of Level II HCPCS codes are:

  • L4386: Walking splint
  • E0605: Vaporizer
  • E0455: Oxygen tent

The Centers for Medicare and Medicaid Services maintains a website where updated HCPCS code information is available to the public.2

4: International Classification of Diseases: The third system of coding is the International Classification of Diseases, or ICD codes. These codes, developed by the World Health Organization (WHO), identify your health condition, or diagnosis.

ICD codes are often used in combination with the CPT codes to make sure that your health condition and the services you received match. For example, if your diagnosis is bronchitis and your doctor ordered an ankle X-ray, it is likely that the X-ray will not be paid for because it is not related to bronchitis. However, a chest X-ray is appropriate and would be reimbursed.

Some examples of ICD-10 codes are:

  • E66.0: Obesity due to excess calories
  • F32.0: Mild depression
  • S93.4: Sprained ankle

A complete list of diagnostic codes (known as ICD-10) is available to download from the CMS website, and ICD10data.com makes it fairly straightforward to search for various codes.

The U.S. transitioned from ICD-9 to ICD-10 codes in 2015, but the rest of the world’s modern health care systems had implemented ICD-10 many years earlier. CPT codes continue to be used in conjunction with ICD-10 codes (they both show up on medical claims), because CPT codes are for billing, whereas ICD-10 codes are for documenting diagnoses.3

5: Coding Errors: Using the three coding systems can be burdensome to a practicing physician and busy hospital staff and it is easy to understand why coding mistakes happen. Because your health plan uses the codes to make decisions about how much to pay your doctor and other healthcare providers, mistakes can cost you money.

A wrong code can label you with a health-related condition that you do not have (there are still concerns that pre-existing conditions could once again become an obstacle to obtaining health coverage under GOP health care reform efforts), cause overpayment to your doctor and potentially increase your out-of-pocket expenses, or your health plan may deny your claim and not pay anything.

It’s possible for your doctor, the emergency room, or the hospital to miscode the services you received, either coding the wrong diagnosis or the wrong procedures. Even simple typographical errors can have significant consequences.

Chibuzor Okechukwu

Chibuzor Okechukwu has been a writer for many years and has spent most of his career researching and writing for the personal finance industry. He also write the guidelines to login to various websites and online platforms.

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