CO-288: Referral Absent
CO-288 means an HMO or POS plan won't pay the specialist claim because the required primary-care referral wasn't on file. Common in HMO books and frequently reversible.
Why payers issue CO-288
- The referral was never obtained
- It existed but wasn't linked to the claim
- The service was direct-access or emergent and didn't need one
- The referral number was missing or mistyped
Is it recoverable? Recoverable with a retroactive referral where the plan allows it, by tying an existing referral to the claim, or by showing the service was direct-access or emergent.
Common questions
What does CO-288 mean?
CO-288 means an HMO or POS plan won't pay the specialist claim because the required primary-care referral wasn't on file. Common in HMO books and frequently reversible. Referral absent.
How do I appeal or fix a CO-288 denial?
Recoverable with a retroactive referral where the plan allows it, by tying an existing referral to the claim, or by showing the service was direct-access or emergent. Common causes: the referral was never obtained; it existed but wasn't linked to the claim; the service was direct-access or emergent and didn't need one; the referral number was missing or mistyped.
Is a CO-288 denial worth appealing?
Recoverable with a retroactive referral where the plan allows it, by tying an existing referral to the claim, or by showing the service was direct-access or emergent. You only pay on what's actually recovered, so there's no cost to working the ones that are winnable.
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