Insurer Coverage of Invasive Coronary Angiography and Percutaneous Coronary Intervention for Stable Coronary Artery Disease in the United States Compared With Guidelines and Landmark Trials.

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Invasive coronary angiography (ICA) and percutaneous coronary intervention (PCI) are common procedures for the diagnosis and treatment of coronary artery disease (CAD). These procedures are typically performed within the parameters of insurance coverage, but little is known about how insurance policies align with guidelines and landmark randomized clinical trials. We developed 6 use cases (3 each for ICA and PCI) of clinical scenarios for stable CAD commonly encountered in clinical practice and compared policies of the largest US public and private payers (based on total revenue and number of beneficiaries) to the 2012 and 2023 professional society guidelines as well as the ORBITA (Objective Randomized Blinded Investigation With Optimal Medical Therapy of Angioplasty in Stable Angina) and ISCHEMIA (Initial Invasive or Conservative Strategy for Stable Coronary Disease) trials. We classified policies as more restrictive, equal, or less restrictive than the guidelines and published randomized clinical trials by evaluating them on parameters of optimal medical therapy (OMT) and noninvasive imaging for ICA policies; and OMT, anatomic severity of CAD, and ability to proceed with PCI for PCI policies. We summarized findings with descriptive statistics. Among 33 payers, 18 (55%) ICA and 14 (42%) PCI policies were publicly available. When comparing requirements for OMT among symptomatic patients before ICA, 22% of policies were less restrictive, 75% were equivalent, and 3% were more restrictive than the 2012 and 2023 professional society guidelines. For the number of OMT medications among symptomatic patients before ICA, 44% were less restrictive and 56% were equivalent compared with the ORBITA trial. When comparing requirements for OMT for symptomatic patients before PCI, 21% of policies were less restrictive, 75% were equivalent, and 4% were more restrictive than the 2012 and 2023 guidelines. ICA and PCI coverage policies were only publicly available for approximately half of the largest US insurers, indicating need for greater transparency. When available, policies were variable in their alignment with clinical practice guidelines.