CARCContractual Obligation
CARC 109: Claim/service not covered by this payer/contractor. You must send the claim/service to the correct payer/contractor.
You submitted the claim to the wrong insurance company.
What this means for your claim
The claim was sent to an insurer that doesn't cover you or doesn't cover this type of service. Resubmitting to the correct payer is usually all that's needed.
What to do next
- 1
Verify which insurer is your active primary payer for this date of service.
- 2
Ask your provider to resubmit to the correct payer.
- 3
If you're unsure which plan is primary, contact your employer's HR or benefits department.
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