Short answer for UnitedHealthcare
No published policy found.
No RTM policy located. Their widely reported remote-monitoring cut was RPM only and is postponed.
UnitedHealthcare: what the document says
UHC's own 49-page commercial bulletin contains ZERO mentions of the RTM codes or the phrase 'remote therapeutic'. It states verbatim: 'The Medical Policy titled Remote Physiologic Monitoring (RPM) will not be effective on Jan. 1, 2026, as previously announced; implementation of the new policy has been postponed until further notice.' Widely reported as an effective January 2026 cut; it was delayed after provider and medical-society pushback. UHC says it still intends to implement in 2026 with advance notice of a new date. That action concerns RPM and does NOT name the RTM codes.
Codes addressed: None located for RTM.
UnitedHealthcare Medicare Advantage: what the document says
Short answer for UnitedHealthcare Medicare Advantage
No published policy found.
Same as UHC commercial. No RTM policy; the RPM change is postponed.
UHC's MA bulletin carries the identical postponement notice and likewise contains zero mentions of the RTM codes. With no MA-specific RTM criteria published, Part B rules govern by default.
Codes addressed: None located for RTM.
Correcting a widely repeated claim
UnitedHealthcare's remote monitoring cut is often reported as effective January 2026. It was not. Both bulletins say: "The Medical Policy titled Remote Physiologic Monitoring (RPM) will not be effective on Jan. 1, 2026, as previously announced; implementation of the new policy has been postponed until further notice." That policy concerns physiologic monitoring and does not name the RTM codes. UHC said it still intends to implement it with advance notice, and we have not re-checked its status since August 28, 2026.
Check the plan, not just the carrier
About 67% of covered workers are in self-funded employer plans. The employer carries the risk, the carrier only administers it, and the employer's plan document governs. It can differ from the carrier's published policy. Cigna says so in its own instructions for use:
"In the event of a conflict, a customer's benefit plan document always supersedes the information in the Coverage Policies."
So a carrier policy narrows the question. It does not answer it for one patient. Call, name the codes, and write the answer down.
Other payers
How to use this page
This is a summary of a published payer document. It is not coverage advice and it cannot tell you whether one patient's claim will pay. The line of business, the employer's plan document and the patient's eligibility all sit between a policy and a payment. Our coverage guide walks through how to verify for a specific patient, and how to bill RTM covers the rest of the claim.
Policies change, usually in January. If you have a newer document or a remittance that contradicts this page, send it to contact@rehabityhealth.com and we will update the page.
Rehabity builds home exercise and remote therapeutic monitoring software for outpatient physical therapy clinics. We researched payer policy because we needed the answer ourselves. If you want to see what we build, read about the therapist side or join the waitlist.