Alyssa Lane
Insurance codes are used by health plans to make decisions about prior authorization requests and claims, and to determine how much to pay healthcare providers. These codes are used instead of plain English and can be found on Explanation of Benefits (EOB) forms and medical bills. CPT codes are used for billing, while ICD-10 codes are used for documenting diagnoses. The Healthcare Common Procedure Coding System (HCPCS) is used by Medicare, with Level I HCPCS codes being the same as CPT codes, and Level II used for identifying products, supplies, and services not covered under CPT codes.
| Characteristics | Values |
|---|---|
| Purpose of 3-digit insurance codes | To help the state DMV recognize your insurance company |
| Where are they used? | Vehicle registration, insurance claim forms, medical bills, Explanation of Benefits (EOB) |
| Who assigns the 3-digit codes? | NAIC (National Association of Insurance Commissioners) |
| Who uses the codes? | Auto insurance companies, health plans, medical billing companies, healthcare providers |
| Examples of 3-digit insurance codes | AAA Insurance Company Code: 11983, Allstate Insurance Code: 19232, Direct Auto Insurance Company Code: 20133 |
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What You'll Learn
Motor vehicle insurance codes
The NAIC also assigns a unique number to each insurance provider. For example, the NAIC Allstate code is 19232, and the Geico company code is 35882. These codes can vary by state, so it's important to check the specific codes for your state.
In certain states, like New Jersey, insurance company codes are required when registering or renewing your vehicle with the MVC (Motor Vehicle Commission). These codes are typically listed on your insurance card, which is often kept in the glove box of your car.
It's worth noting that some insurance companies, like Plymouth Rock in New Jersey, may not appear on the MVC's list of codes. In such cases, you may need to refer to the underwriting company that issued your policy, as Plymouth Rock customers have different insurance codes based on how they purchased their policies.
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NAIC and state-assigned reference codes
The National Association of Insurance Commissioners (NAIC) assigns a unique number to each insurance provider. These NAIC numbers are five digits long and are separate from the three-digit insurance codes that vary by state. For example, the NAIC code for Allstate Insurance is 19232, while the NAIC code for Geico Insurance is 35882.
NAIC codes are also used for businesses and establishments. The North American Industry Classification System (NAICS) is a standard used by federal statistical agencies to classify business establishments. It is a hierarchical classification code system with two to six digits, with each additional digit providing greater classification detail. The first two digits represent the economic sector, the third digit represents the subsector, the fourth the industry group, the fifth the NAICS industry, and the sixth the national industry.
It is important to note that NAICS codes are self-assigned based on the establishment's primary activity. While the U.S. Census Bureau assigns NAICS codes based on the information provided, there is no central government agency responsible for assigning, monitoring, or approving these codes. NAICS codes are used to collect and analyze statistical data related to the US business economy.
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CPT codes
Current Procedural Terminology, commonly known as CPT, is a set of medical codes created and maintained by the American Medical Association. CPT codes are used by physicians, health professionals, hospitals, outpatient facilities, and laboratories to represent the services and procedures they perform. CPT codes are also used for administrative management purposes such as claims processing and developing guidelines for medical care reviews. CPT codes are the most widely accepted medical nomenclature used across the country to report medical, surgical, radiology, laboratory, anesthesiology, genomic sequencing, evaluation, and management services under public and private health insurance programs. CPT codes are designated by the US Department of Health and Human Services under the Health Insurance Portability and Accountability Act (HIPAA) as a national coding set for physician and other healthcare professional services and procedures.
In addition to Category I and II codes, there are also Proprietary Laboratory Analyses (PLA) codes that describe proprietary clinical laboratory analyses. This category includes Advanced Diagnostic Laboratory Tests (ADLTs) and Clinical Diagnostic Laboratory Tests (CDLTs), as defined under the Protecting Access to Medicare Act of 2014 (PAMA). CPT codes are essential for accurate billing and reimbursement, as no provider of outpatient services gets paid without reporting the proper CPT codes.
The CPT code set also includes deleted codes and their replacements, providing context for old or unfamiliar codes. The CPT Assistant archives, published by the AMA, and the AHA Coding Clinic are valuable resources for staying up-to-date with CPT code changes. Additionally, the ICD10PCS update for the fiscal year 2023 is available for inpatient coders to prevent coding errors and claim denials.
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ICD-10 codes
The three-digit codes mentioned in the context of medical insurance companies are specific to auto insurance company codes. These codes are used to identify insurance providers and are often required for tasks such as registering a vehicle. The three-digit code on a vehicle registration form helps the state DMV recognise a person's insurance company. These codes can vary based on factors like the state and the type of vehicle insured.
Now, regarding ICD-10 codes, these are part of the International Classification of Diseases, Tenth Revision, Clinical Modification (ICD-10-CM) system. This system employs diagnosis codes that represent a wide range of conditions, diseases, related health problems, abnormal findings, signs, symptoms, injuries, and external causes of injuries and diseases. ICD-10-CM codes are pivotal in medical claim reporting across all healthcare settings and are essential for establishing the medical necessity for payment of healthcare services and procedures.
The ICD-10-CM system includes diagnosis codes, procedure codes, and various indexes for efficient information retrieval. These codes cover a comprehensive range of health-related topics, including infectious and parasitic diseases, neoplasms, diseases of the blood and immune system, endocrine disorders, nutritional and metabolic diseases, mental and behavioural issues, neurodevelopmental disorders, diseases of the nervous system, eye and ear ailments, circulatory diseases, and many more specific areas of concern.
The ICD-10-CM system is dynamic and regularly updated to reflect the evolving nature of medical knowledge and practice. For instance, codes were added, revised, or deleted in 2025 to accommodate changes in medical understanding and treatment approaches. This adaptability ensures that the ICD-10-CM remains a current and reliable tool for medical coding and healthcare administration.
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HCPCS Level II codes
In the context of medical insurance companies, three-digit codes are typically vehicle insurance codes. These codes are listed on insurance cards and vehicle registrations to help state DMVs recognize insurance companies. These three-digit codes vary by state.
Now, HCPCS Level II codes are part of the Healthcare Common Procedure Coding System (HCPCS). HCPCS is divided into two main subsystems: Level I and Level II. HCPCS Level II is a standardized alphanumeric code system used by healthcare practitioners, providers, and medical equipment suppliers when filing health plan claims for medical devices, supplies, medications, transportation services, and other items and services.
The HCPCS Level II coding system began in the 1980s, and CMS is responsible for maintaining these codes, including decisions about additions, revisions, and deletions. Anyone can submit a request to modify the HCPCS Level II national code set, and these codes are updated throughout the year based on public input and feedback from various stakeholders.
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