CO-97

Denied as bundled into another service

The plan paid this as part of another service on the same claim. With a CO group code, an in-network provider shouldn't bill you separately for it.

Official meaning (X12 code 97): The benefit for this service is included in the payment/allowance for another service/procedure that has already been adjudicated.

Who pays

CO-97. Contractual obligation: the provider's contract with your plan makes this the provider's write-off. An in-network provider generally can't bill you for a CO amount.

What to do

If billed for it, ask the provider to write it off: it's included in what the plan already paid.
Only appeal if the services were truly separate (the provider can add a modifier).

If you appeal

Denials for a wrong code, missing modifier or mismatched diagnosis are usually fixed when the provider's billing office corrects and resubmits the claim. Call them first and ask them to do it; still file the appeal before the deadline as a backstop.

What the appeal asks for: Reprocess this claim once the provider submits corrected coding; the service itself was covered and medically necessary.

Deadlines for the first appeal

employer plan: 180 days from the notice
ACA Marketplace plan: 180 days from the notice
Medicare Advantage plan: 65 days from the notice
Original Medicare: 120 days from the notice
Medicaid: 60 days from the notice

The date printed on your notice controls. Urgent care can be appealed on an expedited (72-hour) basis.

What the data show

11.5%Only 11.5% of denied Medicare Advantage prior authorization requests were appealed in 2024. KFF, 2024 data

80.7%80.7% of appealed Medicare Advantage prior authorization denials were partially or fully overturned in 2024. KFF, 2024 data

<1% (262,982 appeals)Fewer than 1% of denied in-network marketplace claims were appealed in 2024 (at least 262,982 appeals). KFF, 2024 data

66% upheldInsurers upheld 66% of denials on internal appeal in 2024 (165,863 denials). KFF, 2024 data

25%25% of in-network marketplace denials were for administrative reasons, the most common reason other than 'other'. KFF, 2024 data

Averages across all denials; not a prediction for yours.

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General information, not legal or medical advice. Owed is a document-preparation and sending service, not a law firm.