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Z59.861

Z59.861: Financial insecurity, difficulty paying for utilities

Billable / specific codeICD-10-CMPOA exempt

Z59.861 is a billable, specific ICD-10-CM code for financial insecurity, difficulty paying for utilities. It is valid for submission on a claim.

Check Z59.861 with the rest of the claim: free scrubber

Excludes2: not included here, but may coexist

The excluded condition is not part of this code, but a patient can have both. You may code both.

  • inadequate housing utilities (Z59.12)

Inclusion terms

Alternative wordings a physician may use in the chart for this same code.

  • Difficulty paying for electricity
  • Difficulty paying for heat
  • Difficulty paying for oil
  • Difficulty paying water bill
  • Utility disconnect notice due to inability to pay

Excludes2 inherited from the categories above Z59.861

Not part of this code, but both may be coded when both are present.

Written on Z59.86: Financial insecurity

  • extreme poverty (Z59.5)
  • low income (Z59.6)
  • material hardship, not elsewhere classified (Z59.87)

Written on Z59: Problems related to housing and economic circumstances

  • problems related to upbringing (Z62.-)

Risk adjustment

No CMS-HCC V28 category: this code does not change a RAF score.

Alphabetic index entries that lead here

  • Inability to›pay for utilities
  • Financial problem affecting care NOS›insecurity›paying for utilities(electricity) (heat) (oil) (water bill)
  • Unable to›obtain›adequate›utilities due to limited financial resources, specified NEC

Code history

  • addedFY2024-FY2027

    Financial insecurity, difficulty paying for utilities

Other codes under Z59.86

ICD-10-CMFY2027· effective October 1, 2026

Loaded directly from the CMS/NCHS ICD-10-CM public-domain release: see data sources and our editorial policy. If this page disagrees with the CMS tabular list, this page is wrong. Reference information for professional coders; not medical or billing advice.