How do I resolve a CO-27 denial?

Verify patient coverage termination date with the payer immediately Check if COBRA coverage was elected and if it was active on the date of service See full resolution steps at tryarceum.com.

Can I appeal a CO-27 denial?

Yes. Most CO-27 denials can be appealed within 60-180 days depending on payer. This is appealable if you have documentation proving coverage was active on the date of service or if the termination date in the payer's system is incorrect. Use our free tool to generate an appeal letter.

CARC Code

27

🔴 Hard Denial

Services After Coverage Ended

The claim was denied because the medical services were provided after the patient's insurance coverage had already ended or been terminated.

eligibility

Resolution: 40%Medium difficulty20-45 days avg

How to resolve this denial

Which payer denied this claim?

Verify termination date and bill patient if services post-date termination

1
Verify patient coverage termination date with the payer immediately
2
Check if COBRA coverage was elected and if it was active on the date of service
3
Determine if the employer terminated the group coverage retroactively
4
If termination was retroactive employer action, request appeal with HR documentation
5
If coverage was legitimately terminated, bill patient directly with financial responsibility notice
6
Implement real-time eligibility verification to catch terminations at check-in

Resolve this denial →

▶✓ 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 CO-27 — stats, related codes, appeal template

40%

Recovery Rate

20-45 days

Avg. Resolution

Medium

Difficulty

Occasional

Frequency

Payer-Specific Notes

How major payers handle CARC 27 by specialty.

Medicaid

Medicaid terminations can be reversed; verify through state portal and request reinstatement if eligible

Medicare

Medicare Part B termination rare; most common for non-payment of premium

Common 835 Combinations

CARC 27 most often appears with these Group Code + RARC combinations on 835 remittances.

COCO-27The payer has denied this claim because services were rendered after theAppealable

Look up any combination →

Appeal Letter Template

Generic appeal template for CARC 27 denials.

We are appealing denial of claim [CLAIM_NUMBER] under CARC 27. We have confirmed that the patient maintained active COBRA/continuation coverage through [TERM_DATE]. Services were rendered on [DOS]. Please see attached COBRA election notice and premium payment confirmation.

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