“Co-payment Amount”
The verbatim definition of CARC 3 from the X12 Claim Adjustment Reason Code set, the standardized codes every insurer uses on EOBs. The letters are the group code. PR: Patient Responsibility: the insurer says you owe this amount. Verify it against your plan before paying.
What it means in plain English
Your copay: the fixed dollar amount you pay for a type of visit. Normal plan operation, and usually correct. The errors worth catching are a specialist copay applied to a primary care visit, a copay charged on a preventive service that should be free under the ACA, and copays continuing after your out-of-pocket maximum is met.
What to check on your EOB
- The amount against your plan's copay schedule for that visit type.
- The visit classification; a primary care visit shouldn't carry the specialist or ER copay.
- Whether the visit was preventive; ACA-covered preventive services should carry no copay.
What to do next
- 1.Mismatched amount: call the insurer and ask which visit type the claim was processed under.
- 2.Copay on a preventive visit: ask the provider whether the visit was coded as preventive or diagnostic; a coding fix often resolves it.
Who's responsible
You: verify against your plan's copay schedule. Knowing whether the fix belongs to you, your doctor, or the billing office is half the battle. If it’s the provider’s error, you should not be paying for it.
Related codes
Want the fundamentals first? Start with how to read an EOB and the 7 most common billing errors. This page is general information about standardized denial codes, not legal or medical advice.
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