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APPEAL

CO-197 Appeal Letter

Appeal template for CARC CO-197 (precertification/authorization absent). Includes auth reference documentation and retro-auth language.

CO-197 Appeal Letter

[PRACTICE_NAME] [PRACTICE_ADDRESS] [PRACTICE_CITY_STATE_ZIP] [PRACTICE_PHONE] [PRACTICE_FAX] NPI: [RENDERING_PROVIDER_NPI] Tax ID: [PRACTICE_TAX_ID] [DATE] [PAYER_NAME] [PAYER_APPEALS_DEPARTMENT] [PAYER_ADDRESS] [PAYER_CITY_STATE_ZIP] Re: Appeal of Claim Denial -- CARC CO-197 (Precertification/Authorization/Notification Absent) Patient Name: [PATIENT_FIRST_NAME] [PATIENT_LAST_NAME] Member ID: [MEMBER_ID] Date of Service: [DATE_OF_SERVICE] Claim Number: [CLAIM_NUMBER] Authorization Number: [AUTH_NUMBER] Dear Appeals Review Committee: I am writing to appeal the denial of the above-referenced claim under CARC CO-197. This denial indicates that precertification, authorization, or notification was absent. We respectfully submit that this denial is in error for the following reason(s): [SELECT ONE OR MORE -- DELETE UNUSED PARAGRAPHS] OPTION A -- AUTHORIZATION WAS OBTAINED PRIOR TO SERVICE: Authorization number [AUTH_NUMBER] was issued by [PAYER_NAME] on [AUTH_ISSUE_DATE] for the services rendered on [DATE_OF_SERVICE]. The authorization covered [AUTHORIZED_PROCEDURE_CODES] for the period [AUTH_START_DATE] through [AUTH_END_DATE]. A copy of the authorization confirmation is enclosed. We believe the authorization reference was not matched during claims processing and request re-adjudication with the enclosed documentation. OPTION B -- RETROACTIVE AUTHORIZATION IS PERMISSIBLE: Per [PAYER_NAME] policy [POLICY_NUMBER_OR_SECTION], retroactive authorization is permitted when [QUALIFYING_CONDITION]. The service was rendered on [DATE_OF_SERVICE] due to [CLINICAL_JUSTIFICATION]. We have since obtained retroactive authorization number [RETRO_AUTH_NUMBER] on [RETRO_AUTH_DATE]. Documentation of the retroactive authorization is enclosed. OPTION C -- SERVICE MEETS EMERGENT/URGENT EXCEPTION: The service provided on [DATE_OF_SERVICE] was medically necessary on an emergent/urgent basis. Per [PAYER_NAME] emergency exception policy, prior authorization is not required when the patient presents with [EMERGENT_CONDITION]. The treating provider determined that delaying care to obtain authorization would have resulted in [CLINICAL_RISK]. Supporting clinical documentation is enclosed. MEDICAL NECESSITY: [PATIENT_FIRST_NAME] [PATIENT_LAST_NAME] presented on [DATE_OF_SERVICE] with [DIAGNOSIS_DESCRIPTION] (ICD-10: [ICD_10_CODE]). The procedure(s) [CPT_CODES] were performed based on the following clinical indicators: [CLINICAL_INDICATORS]. This treatment is consistent with [RELEVANT_NCD_LCD_REFERENCE] and accepted standards of care for [CONDITION]. ENCLOSED DOCUMENTATION: 1. Copy of authorization confirmation (if applicable) 2. Clinical notes from [DATE_OF_SERVICE] 3. Relevant diagnostic results supporting medical necessity 4. [PAYER_NAME] policy section referenced above 5. NCD/LCD reference: [NCD_LCD_NUMBER] -- [NCD_LCD_TITLE] 6. Any additional supporting documentation: [LIST_ADDITIONAL_DOCS] We request that this claim be re-adjudicated based on the enclosed documentation. Per your appeal filing requirements, this appeal is submitted within the [APPEAL_DEADLINE_DAYS]-day filing window from the date of the Explanation of Benefits dated [EOB_DATE]. If additional information is needed, please contact our office at [PRACTICE_PHONE]. Respectfully, [PROVIDER_NAME], [PROVIDER_CREDENTIALS] [PROVIDER_TITLE] NPI: [RENDERING_PROVIDER_NPI] Enclosures: [NUMBER_OF_ENCLOSURES] cc: Patient file

Practice Letterhead

Payers use letterhead to verify the appeal originates from the billing entity on file. Missing or mismatched letterhead is a common reason appeals are returned unprocessed.

Re: Line with CARC CO-197

Naming the specific CARC code in the subject line routes the appeal to the correct review queue. Generic subject lines often land in general correspondence and miss appeal deadlines.

Authorization Number Reference

CO-197 denials frequently occur when a valid auth exists but was not transmitted on the claim. Leading with the auth number gives the reviewer the fastest path to re-adjudication.

Option A/B/C Structure

CO-197 has three distinct root causes: auth not transmitted, retro-auth needed, or emergent exception. Selecting the correct option prevents the appeal from being denied for mismatched rationale.

Medical Necessity Paragraph

Even when the denial is procedural (missing auth), including medical necessity documentation strengthens the appeal if the payer escalates to clinical review.

NCD/LCD Reference Line

Citing the specific National or Local Coverage Determination shows the reviewer that the service meets Medicare coverage criteria, reducing the chance of a secondary clinical denial.

Appeal Deadline Reference

Stating the filing window and EOB date on record creates a paper trail that protects against payer claims of untimely filing.

Enclosed Documentation List

Numbered enclosures prevent the payer from denying on grounds of incomplete submission. If an enclosure is missing, the reviewer can request the specific item instead of rejecting the entire appeal.

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