CARC Code
2
Coinsurance Amount
This code indicates the portion of the allowed amount that the patient is responsible for paying as coinsurance. Coinsurance is the percentage of covered services the patient owes after the deductible is met, based on their insurance plan.
patient responsibilityHow to resolve this denial
Bill patient for coinsurance percentage
- 1
Confirm coinsurance percentage from patient's Summary of Benefits
- 2
Verify the allowed amount used to calculate coinsurance
- 3
Calculate patient responsibility: allowed amount × coinsurance %
- 4
Issue patient statement for the coinsurance amount
- 5
Do not bill more than the coinsurance shown on the EOB
▶✓ Pre-action checklist — verify before contacting the payer
Review the full remittance advice (ERA/EOB) for additional RARC codes that explain the denial.
Verify the claim was submitted with correct patient eligibility and benefit information.
Check if this denial applies to a specific line item or the entire claim.
▶More about PR-2 — stats, related codes, appeal template
97%
Recovery Rate
1-3 days
Avg. Resolution
Easy
Difficulty
Very Common
Frequency
Payer-Specific Notes
How major payers handle CARC 2 by specialty.
Blue Cross Blue Shield
In-network coinsurance varies by plan; verify tier at time of service
UnitedHealthcare
Out-of-network coinsurance can be significantly higher; inform patient proactively
Common 835 Combinations
CARC 2 most often appears with these Group Code + RARC combinations on 835 remittances.
Appeal Letter Template
Generic appeal template for CARC 2 denials.
We are notifying you of patient coinsurance responsibility in the amount of $[AMOUNT] for claim [CLAIM_NUMBER]. This represents [PERCENT]% of the allowed amount of $[ALLOWED] per your plan benefits.
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