CARCContractual Obligation
CARC 27: Expenses incurred after coverage terminated
Your insurance had already ended when this service was performed.
What this means for your claim
Your plan will not pay for services after your termination date. This can happen after a job change, loss of eligibility, or lapse in premium payment.
What to do next
- 1
Confirm your termination date and compare it to the date of service.
- 2
If you had COBRA, verify the election and premium payment dates to confirm continuous coverage.
- 3
If your coverage should still have been active (e.g., grace period, employer error), file an appeal with documentation.
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