CARC 111: Not covered unless the provider accepts assignment.
Not covered unless the provider accepts assignment.
CARC 111 is the code your insurance company used to explain why your claim was reduced, denied, or paid less than expected. It appears on your Explanation of Benefits (EOB) — the statement your plan sends after a claim is processed. Here's what it means for you and what you can do about it.
What CARC 111 means
The official X12 description is: “Not covered unless the provider accepts assignment.”
In plain language: Not covered unless the provider accepts assignment.
What to do next 111
Appeal with documentation specific to this code. The provider's billing office can help clarify what the carrier wants.
DenialHelp helps organize a source-linked draft from the denial notice and confirmed case facts. The patient and treating clinician must verify the governing review rule, current payer policy, clinical sources, attachments, destination, and deadline.
CARC 111 group codes explained
On the 835 ERA, CARC 111 appears alongside a group code that signals who is financially responsible for the adjustment. CO (Contractual Obligation) — Contractual write-off. The provider agreed to the rate. Patient does NOT owe this amount.
Frequently asked questions
What does CARC 111 mean?
Not covered unless the provider accepts assignment. In plain language: Not covered unless the provider accepts assignment.
Is CARC 111 appealable?
Yes — CARC 111 is one of the codes that commonly supports an appeal. Appeal with documentation specific to this code. The provider's billing office can help clarify what the carrier wants.
Which group code does CARC 111 appear under?
CARC 111 most often appears under: CO (Contractual Obligation) — Contractual write-off. The provider agreed to the rate. Patient does NOT owe this amount.
How do I appeal a CARC 111 denial?
Appeal with documentation specific to this code. The provider's billing office can help clarify what the carrier wants.
Related resources
Sources
Appeal a CARC 111 denial
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