by Ajay Patil Blog Cigna R49 & Aetna CCRP: E/M DowncodingPolicies 2025 NEW POLICIES • 2025 Cigna R49 & Aetna CCRP: E/M Downcoding Policies 2025 Cigna’s new R49 policy (effective Oct 1, 2025) and Aetna’s expanded Claim & Code Review Program (effective Sep 1, 2025) both allow insurers to auto ...