N650Remark Code (RARC)Active
N650 Remark Code - Policy Not in Effect for Service Date
The N650 remark code indicates that the policy in question was not active during the specified date of loss, resulting in no coverage being available for the service billed. This suggests that the payer has determined that the claim is not eligible for payment due to the policy status at that time.
How It Relates to the Denial
The N650 remark code typically accompanies a Claim Adjustment Reason Code that indicates a denial due to lack of coverage. The combination signals that the claim was denied not just on the basis of service validity, but specifically due to the policy being inactive for the date of service.
Common Scenarios
1A provider submits a claim for a patient who was treated on January 10, 2023, but the remittance shows an adjustment for services rendered after the policy had lapsed.
→ In this case, the N650 remark code clarifies that the insurance policy was not in effect on the date of service, confirming the denial of coverage for the claim.
2A claim for a scheduled procedure is submitted, but the remittance response indicates a denial based on the policy's status, with N650 included on the remittance advice.
→ The N650 remark code here indicates that the procedure was performed when the patient's insurance policy was not active, leading to a denial of the claim.
3A billing office receives a denial for a claim submitted for a service dated April 15, 2023, accompanied by N650, while the patient had coverage only until April 1, 2023.
→ The N650 remark code points out that there was no coverage available for the service date, as the policy was not in effect at that time.
What to Do
- Verify the dates of service against the patient’s insurance policy period.
- Determine if the claim can be resubmitted if there was a valid coverage period that overlaps the service date.
- If applicable, consider alternative coverage options for the patient.
What to Check
- The patient's insurance policy documentation to confirm the effective dates.
- The claim submission date and service dates for any discrepancies.
- Any communication from the payer regarding policy status at the time of service.