CO-55: Experimental / Investigational
CO-55 means the payer classifies the service, drug, or device as experimental or investigational under its medical policy, so it won't cover it — even when it's the appropriate care.
Why payers issue CO-55
- The payer's medical policy labels the service investigational
- Supporting evidence wasn't submitted with the claim
- Coding suggested an unproven indication
- The policy lags current standards of care
Is it recoverable? The hardest to win but highest-dollar — a well-evidenced appeal with peer-reviewed literature, FDA status, and guideline support overturns a real share.
Common questions
What does CO-55 mean?
CO-55 means the payer classifies the service, drug, or device as experimental or investigational under its medical policy, so it won't cover it — even when it's the appropriate care. Procedure/treatment/drug is deemed experimental/investigational by the payer.
How do I appeal or fix a CO-55 denial?
The hardest to win but highest-dollar — a well-evidenced appeal with peer-reviewed literature, FDA status, and guideline support overturns a real share. Common causes: the payer's medical policy labels the service investigational; supporting evidence wasn't submitted with the claim; coding suggested an unproven indication; the policy lags current standards of care.
Is a CO-55 denial worth appealing?
The hardest to win but highest-dollar — a well-evidenced appeal with peer-reviewed literature, FDA status, and guideline support overturns a real share. You only pay on what's actually recovered, so there's no cost to working the ones that are winnable.
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