Relative factors by segment
Each segment is a separate regression; the factor is added to the beneficiary's demographic factors and other categories, then normalized and reduced by the coding intensity adjustment before it meets the plan's base rate. A factor of 1.000 equals the expected cost of an average beneficiary.
| Segment | Model code | Relative factor |
|---|---|---|
| Community, non-dual, aged | CNA_HCC125 | 0.341 |
| Community, non-dual, disabled | CND_HCC125 | 0.296 |
| Community, full-benefit dual, aged | CFA_HCC125 | 0.438 |
| Community, full-benefit dual, disabled | CFD_HCC125 | 0.367 |
| Community, partial-benefit dual, aged | CPA_HCC125 | 0.401 |
| Community, partial-benefit dual, disabled | CPD_HCC125 | 0.345 |
| Long-term institutional | INS_HCC125 | 0.000 |
Hierarchy
Hierarchical condition categories pay only the most severe manifestation of a disease. HCC 125 is the most severe category in its hierarchy. When HCC 125 is present it drops HCC 126 (Dementia, Moderate), HCC 127 (Dementia, Mild or Unspecified), so documenting the less severe condition alongside it adds nothing to payment but still matters for the clinical record.
ICD-10-CM codes that map to HCC 125
18 codes map to this category in the PY2027 initial mapping, concentrated in the F01 (6), F02 (6), F03 (6) code families. Descriptions are the CMS mapping descriptions for the FY2026 code set; a code that is deleted or split in the October code update stays valid for dates of service before the change.
| ICD-10-CM | Description |
|---|---|
| F01C0 | Vascular dementia, severe, without behavioral disturbance, psychotic disturbance, mood disturbance, and anxiety |
| F01C11 | Vascular dementia, severe, with agitation |
| F01C18 | Vascular dementia, severe, with other behavioral disturbance |
| F01C2 | Vascular dementia, severe, with psychotic disturbance |
| F01C3 | Vascular dementia, severe, with mood disturbance |
| F01C4 | Vascular dementia, severe, with anxiety |
| F02C0 | Dementia in other diseases classified elsewhere, severe, without behavioral disturbance, psychotic disturbance, mood disturbance, and anxiety |
| F02C11 | Dementia in other diseases classified elsewhere, severe, with agitation |
| F02C18 | Dementia in other diseases classified elsewhere, severe, with other behavioral disturbance |
| F02C2 | Dementia in other diseases classified elsewhere, severe, with psychotic disturbance |
| F02C3 | Dementia in other diseases classified elsewhere, severe, with mood disturbance |
| F02C4 | Dementia in other diseases classified elsewhere, severe, with anxiety |
| F03C0 | Unspecified dementia, severe, without behavioral disturbance, psychotic disturbance, mood disturbance, and anxiety |
| F03C11 | Unspecified dementia, severe, with agitation |
| F03C18 | Unspecified dementia, severe, with other behavioral disturbance |
| F03C2 | Unspecified dementia, severe, with psychotic disturbance |
| F03C3 | Unspecified dementia, severe, with mood disturbance |
| F03C4 | Unspecified dementia, severe, with anxiety |
Capturing and defending the category
A category counts for a payment year when a mapped diagnosis is documented at least once during the data collection year by an acceptable provider type at a face-to-face or audio-video encounter, and when the note shows the condition was monitored, evaluated, assessed or treated. Chronic conditions do not carry forward: a category that is not re-documented in the year drops out of the score, which is why annual wellness visits and problem-list reconciliation are where most recapture happens. Risk adjustment data validation audits sample enrollees and ask for the medical record behind each submitted category; an unsupported category is removed and, under the extrapolation rules, the error rate is applied across the contract. The QuickIntell risk adjustment product surfaces suspected and unsupported categories from the chart, and the HCC hub lists every V28 category with its factor and code count.
Frequently asked questions
Which ICD-10 codes map to HCC 125?
18 ICD-10-CM codes map to HCC 125 in the CMS PY2027 initial mapping, for example F01C0 Vascular dementia, severe, without behavioral disturbance, psychotic disturbance, mood disturbance, and anxiety; F01C11 Vascular dementia, severe, with agitation; F01C18 Vascular dementia, severe, with other behavioral disturbance; F01C2 Vascular dementia, severe, with psychotic disturbance. The full list is on this page; a code counts only when it is documented at a face-to-face or video encounter in the data collection year and supported by the record.
How much does HCC 125 add to a risk score?
The V28 relative factor for HCC 125 is 0.341 for a community, non-dual, aged beneficiary, 0.438 for full-benefit dual aged, 0.296 for non-dual disabled and 0.000 for long-term institutional members. A factor of 1.000 equals the expected annual cost of an average beneficiary, so the category's share of the payment follows the plan's base rate for that segment.
Does HCC 125 count together with related categories?
No. Within a hierarchy only the most severe category is paid. HCC 125 is the most severe category in its hierarchy, and it drops HCC 126, HCC 127 when it is present.
What has to be documented for HCC 125 to be valid?
The diagnosis must be recorded by an acceptable provider type during a face-to-face or audio-video encounter in the service year, with the note showing that the condition was monitored, evaluated, assessed or treated. Risk adjustment data validation audits recover payment for categories the record does not support, so the code on the claim and the assessment in the note must match.
Sources
Every figure on this page is taken from the CMS publications below, as released by the Centers for Medicare & Medicaid Services. Projection built 2026-10-02. Verify against the primary file before billing or contracting decisions.
- ICD-10-CM to CMS-HCC V28 mappings, payment year 2027 initialVersion PY2027 initial ICD-10-CM mappings (dates of service 2026) · effective 2027-01-01 · file 2027 Initial ICD-10-CM Mappings.csvSHA-256 9c260b06d0dd2806…
- CMS-HCC V28 model software: labels, hierarchies and relative factorsVersion CMS-HCC V28 software V2826.115.T2 (PY2027 initial) · effective 2027-01-01 · file C2824T2N.csvSHA-256 20f38d537493b41c…
Disclaimer
Relative factors and mappings are reproduced from the CMS risk adjustment model files as an operational reference. Payment depends on the plan's base rate, normalization, the coding intensity adjustment and the enrollee's segment. Not legal, clinical or billing advice.