CARC 32: Our records indicate that this dependent is not an eligible dependent as defined
The person receiving care doesn't qualify as a dependent under the plan's rules.
What this means for your claim
Dependents must meet age, relationship, and financial dependency criteria. If a dependent aged off the plan or doesn't meet the definition, claims for that person may be denied.
What to do next
- 1
Review your plan's dependent eligibility rules in the Summary of Benefits.
- 2
If the dependent qualifies but wasn't properly enrolled, ask HR (if employer-sponsored) or the insurer to correct the enrollment.
- 3
For children up to age 26 on ACA-compliant plans, the insurer is required to cover them regardless of student or dependency status.
Have more codes on your EOB?
Upload your full Explanation of Benefits and our analyzer will identify every adjustment code, explain each one in plain English, and flag anything worth disputing.
Analyze My EOB Free →