Remark code N650 indicates a claim denial because the policy was inactive on the date of the incident. Coverage is unavailable.
Remark code N650 indicates that the insurance policy was not active or in effect on the date the service was provided or the claim was incurred. Consequently, no coverage or benefits are available for the claim submitted for that specific date.
Common causes of code N650 are incorrect date of service entered on the claim, services rendered before the policy effective date, or services provided after the policy termination date.
Ways to mitigate code N650 include ensuring that the date of service on the claim matches the effective dates of the patient's policy. Regularly updating and verifying patient insurance information before scheduling services can prevent this issue. Implementing a system to automatically flag services scheduled outside a patient's coverage period can also help avoid submitting claims for dates not covered by the patient's policy. Additionally, training staff to double-check coverage dates during the pre-authorization process can further reduce the occurrence of this code.
The steps to address code N650 involve a multi-faceted approach to ensure accurate billing and reimbursement. Initially, verify the date of service against the patient's policy effective dates. If the service date falls outside the coverage period, contact the patient to update or confirm their insurance information, as they may have had a different policy at the time of service. In cases where the correct policy was billed but denied due to administrative errors, prepare and submit an appeal to the insurance company, including documentation that proves the policy was active on the date of service. This may involve gathering evidence such as a copy of the insurance card, a policy declaration page, or correspondence from the insurance company confirming the period of coverage. If the appeal is unsuccessful or if it is confirmed that no coverage was in effect, communicate with the patient regarding their financial responsibility for the service and discuss possible payment plans or financial assistance programs if necessary. Throughout this process, document all communications and actions taken to resolve the issue for compliance and audit purposes.
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