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Denial code CO-45: what it means and what to do

Denial code CO-45 on your Explanation of Benefits: The charge is above the amount the plan agreed to pay the provider. It is not a denial.

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What CO-45 means

The charge is above the amount the plan agreed to pay the provider. It is not a denial.

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

An in-network provider generally cannot bill you for this difference. If you get a bill for it, ask the provider to remove it.

Other denial codes

Sources

  1. HealthCare.gov: Internal appeals