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Denial code CO-26: what it means and what to do

Denial code CO-26 on your Explanation of Benefits: The service was before your coverage started.

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What CO-26 means

The service was before your coverage started.

CO means contractual obligation: under its contract, the provider is usually responsible for this amount, so an in-network provider generally should not bill you for it.

What to do

Check your enrollment and premium payments. If you were covered, send proof and ask to reprocess the claim.

Your deadline

Most plans give you 180 days from the denial notice to file an internal appeal. Original Medicare gives 120 days from the Medicare Summary Notice, and Medicare Advantage plans 65 days from their decision. Check the date printed on your letter.

More on this reason: Coverage not active.

Other denial codes

Sources

  1. HealthCare.gov: Internal appeals
  2. 29 CFR 2560.503-1, claims procedure for employer health plans