CARCContractual Obligation
CARC 200: Expenses incurred during lapse in coverage
Coverage had lapsed at the time the service was performed — usually due to a missed premium.
What this means for your claim
Coverage requires timely premium payment. If you missed a payment and the grace period elapsed, claims during the gap will be denied.
What to do next
- 1
Verify the exact lapse and reinstatement dates with your insurer.
- 2
If you paid the premium but coverage wasn't reinstated correctly, provide proof of payment and request correction.
- 3
If you had a qualifying life event (e.g., job loss), check whether you're eligible for a special enrollment period or backdated COBRA.
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