Denial category

BCBS Payment disputes and contractual adjustments: Codes, Appeals and Fix Workflow

BCBS payment dispute workflows for CO-45, underpayments, contractual adjustments, and fee schedule issues.

Category summary: This is often not a denial. First decide whether the line paid correctly under the contract, fee schedule, or BlueCard pricing rule.

Top codes in this category

How to work these denials

  1. Separate true zero-pay denials from paid lines with contractual write-offs.
  2. Compare the allowed amount to the contract, product, network status, modifier, units, and place of service.
  3. Recalculate expected reimbursement at line level and show the exact variance.
  4. File a payment dispute when the plan used the wrong contract, fee schedule, provider status, or pricing rule.
  5. Post the adjustment when the allowance is correct and patient liability is not supported.

Evidence checklist

  • ERA/EOB allowed amount
  • Contract or fee schedule excerpt
  • Expected payment calculation
  • Network/product verification
  • Modifier/unit documentation
  • Prior payer EOB if secondary

Guides in this cluster