AGAR Guide
CARC96ReferenceCurrentVerified Aug 15, 2026

CARC 96

AR Guide workflow

Step-by-step: Non-Covered Services

✓ Workflow verified Aug 15, 2026 · Verified via review of official sources and AR Guide practice testing — not payer policy. View the full guide

  1. VerifySteps 1–11

    1. Benefit plan document for the specific service

    2. Remark code explaining the exclusion

    3. ABN or waiver on file

    4. Benefit limits or maximums against utilization

    5. Plan type (dental vs. medical vs. pharmacy)

    6. CARC 96 / 204 and the accompanying remark code

    7. Read the accompanying remark code for the specific reason

    8. Review the patient's benefit plan document for the service

    9. Check whether a rider or amendment covers the service

    10. Confirm whether an ABN or waiver would have applied

    11. Check benefit utilization against the plan limits

  2. ActSteps 12–15

    1. If the exclusion applies, bill the patient per plan rules where allowed

    2. If the service should be covered, appeal with the benefit document and policy evidence

    3. If the benefit was exhausted, bill the patient per plan rules once the limit is reached

    4. Consider whether the service belongs under a different benefit plan

  3. Document & QASteps 16–22

    1. The relevant benefit plan language

    2. The remark code and payer correspondence

    3. Utilization records showing benefit limits

    4. Any ABN or waiver documentation

    5. Verify benefit coverage before rendering non-routine services

    6. Track benefit maximums on accounts approaching their limits

    7. Document ABN delivery where applicable

Sort it: data mismatch (correct) vs. benefit dispute (appeal): Note

Coverage denials split into two very different fixes: if the member data was wrong, correct and resubmit; if coverage existed but the payer misapplied it, appeal with the benefit document and eligibility confirmation.

If you take the wrong path: Appealing a data error burns the window; resubmitting a genuine benefit dispute gets denied again. Either way you lose weeks.

AR Guide explanation

What it means

Non-covered charge(s). A remark code must accompany this code to explain the reason the charge is not covered.

AR Guide knowledge

Common denial category

Non-Covered Services — The service is not covered under the patient's benefit plan — an exclusion, a coverage limit, or a service the plan simply does not include.

AR Guide knowledge

Most common causes

  • Benefit exclusion applies
  • Service not covered under the patient's plan
  • Coverage limits exhausted

AR Guide knowledge

Action in your PM/EMR system

In your PM system: re-verify eligibility for the exact date of service first. If the member data was wrong, correct it and resubmit. If coverage is confirmed, attach the verification reference and appeal.

Illustrative scenario

Real-world example

A service was denied with CARC 204 as not covered, but the patient's rider covered it. The appeal attached the benefit document and the denial was reversed.

Example — not a claim about any specific payer or account.

AR Guide knowledge

What AR should verify

  1. Read the accompanying remark code to identify the specific reason
  2. Review the benefit plan for the exclusion
  3. Check whether an advance beneficiary notice/waiver was obtained where applicable

AR Guide knowledge

Recommended action

  1. If the exclusion applies, bill the patient per plan rules
  2. If you believe the service should be covered, appeal with the applicable policy and documentation

Appeal template

No code-specific template yet

No downloadable template targets CARC 96 specifically. Browse all appeal letter templates — or follow the recommended workflow above.

About this guidance: Note

AR Guide knowledge is general reference content written by our team — it is not payer-specific policy and never replaces the payer’s documentation or your contract. Always confirm specifics with the payer.

Priority 2

Commonly paired RARCs

RARCs commonly accompany CARC 96 on the ERA/EOB. Select the one on your line to focus the workflow, or use the list as a lookup.

  • RARCN130Consult plan benefit documents/guidelines for information about restrictions for this service.Pull the specific plan benefit document and quote the exact restriction in your appeal — a general appeal without the plan language rarely succeeds here.

Priority 3

Payer-specific nuance

How major payers handle this denial — what AR Guide has verified, and what you must confirm with the payer. We never publish payer handling we have not verified.

Medicare

Coverage and exclusions are defined by each plan document. Pull the actual benefit language for the patient's plan and confirm the exclusion against it before billing or appealing — a general appeal without plan evidence rarely succeeds.

Medicaid

Coverage and exclusions are defined by each plan document. Pull the actual benefit language for the patient's plan and confirm the exclusion against it before billing or appealing — a general appeal without plan evidence rarely succeeds.

UnitedHealthcare

Coverage and exclusions are defined by each plan document. Pull the actual benefit language for the patient's plan and confirm the exclusion against it before billing or appealing — a general appeal without plan evidence rarely succeeds.

Aetna

Coverage and exclusions are defined by each plan document. Pull the actual benefit language for the patient's plan and confirm the exclusion against it before billing or appealing — a general appeal without plan evidence rarely succeeds.

Cigna

Coverage and exclusions are defined by each plan document. Pull the actual benefit language for the patient's plan and confirm the exclusion against it before billing or appealing — a general appeal without plan evidence rarely succeeds.

Anthem (BCBS)

Coverage and exclusions are defined by each plan document. Pull the actual benefit language for the patient's plan and confirm the exclusion against it before billing or appealing — a general appeal without plan evidence rarely succeeds.

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