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RARC N650 · Remittance Advice Remark Code

RARC N650 Remark Code: This policy was not in effect for this date of loss. No coverage is available

Reviewed by QuickIntell RCM Editorial Team · Last reviewed

Updated

Not an ICD-10 code. RARC N650 is a remittance-advice remark code published by X12 and carried on the 835 LQ segment. Any ICD-10 code with the same letters and digits (e.g., ICD-10 M15 osteoarthritis, N130 other urinary tract disorders) is a separate, unrelated code set used in diagnoses on the 837. Confirm the context before acting on this page.

TL;DR

RARC N650 (X12 This policy was not in effect for this date of loss. No coverage is available). Commonly paired with CARC 19, CARC 20. RARC N650 denies in WC/liability contexts — the policy wasn't active at the date of loss.

Official X12 description

“This policy was not in effect for this date of loss. No coverage is available.”

Source: X12 Remittance Advice Remark Codes. X12 publishes and maintains the RARC set; always verify against the current release before building a claim workflow.

Paired CARC codes

RARC N650 almost never appears alone — it accompanies one of the CARCs below on the same 835 remittance line. Fix the CARC and the RARC typically clears; the RARC alone is informational.

Paired CARCWhat the CARC means
CARC 19This is a work-related injury/illness and thus the liability of the Worker's Compensation Carrier.
CARC 20This injury/illness is covered by the liability carrier.
CARC 21This injury/illness is the liability of the no-fault carrier.
CARC 200Expenses incurred during lapse in coverage.
CARC 201Workers' Compensation case settled. Patient is responsible for amount of this claim/service through Workers' Compensation 'Medicare set-aside arrangement' or o…

What RARC N650 actually means

RARC N650 denies in WC/liability contexts — the policy wasn't active at the date of loss. Rebill to the correct policy (or the health plan for non-WC/liability).

Common root causes

  • Policy termination before loss date.
  • Wrong policy identified for the injury.

Prevention checklist

  • Accident/WC case capture at registration.

Resolution & appeal strategy — step by step

Because RARC N650 is supplemental to a CARC, the resolution path usually starts by fixing the underlying adjustment reason. A formal appeal of the RARC alone is rarely necessary.

  1. 1Rebill correct policy.
Sample reconsideration language referencing RARC N650
[Provider letterhead] Re: Reconsideration — Claim #{claim_number}, CARC 19 / RARC N650 Member: {member_name} · Member ID: {member_id} Date(s) of Service: {dos} The 835 remittance on {remittance_date} carried RARC N650: "This policy was not in effect for this date of loss. No coverage is available." We request reconsideration. The attached documentation rebuts the remark code: 1. [State the fact that rebuts the remark — authorization number, primary 835, modifier rationale, LCD citation, etc.] 2. [Reference the paired CARC and the corresponding fix] 3. [Attach the supporting document listed in step 1] Attached: {list supporting documents} Please process this line under the member's benefits. Contact the billing office at {provider_phone} for questions. Sincerely, {billing_manager_name}, {credentials}

Edit the bracketed fields before sending. Payer-specific reconsideration forms are often required — check the provider portal first.

How common is RARC N650?

Platform frequency
Pending ETL

Platform frequency ranks publish once the anonymized denial-rate pipeline reaches the publication threshold (strategy §12 Phase 2).

How QuickRCM handles RARC N650

QuickRCM reads RARC N650 alongside its paired CARC in the 835 LQ segment and routes the line to the correct worker queue with the right documentation already attached:

  • Denial routing rules tuned to the CARC+RARC pair — the paired combination tells QuickRCM which documentation the payer will accept.
  • Reconsideration template for this exact remark code pulls the supporting facts from the claim automatically.
  • Pre-submission scrubs that catch the preventable drivers surfaced on this page before the 837 leaves the clearinghouse.
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Frequently asked questions — RARC N650

What does RARC N650 mean?

RARC N650 is an X12 Remittance Advice Remark Code. The official X12 definition is: "This policy was not in effect for this date of loss. No coverage is available." It is supplemental to a Claim Adjustment Reason Code (CARC) on the same 835 line.

Which CARC is paired with RARC N650?

RARC N650 is most commonly paired with CARC 19, CARC 20, CARC 21, CARC 200, CARC 201. The CARC is the financial adjustment reason; the RARC is the informational remark. Fix the paired CARC first — the RARC usually clears with the corrected claim.

How do I resolve a RARC N650 remark on a remit?

Start from the root cause: Policy termination before loss date. First step: Rebill correct policy. Because RARCs are supplemental, the resolution is almost always to address the paired CARC rather than appeal the RARC alone.

Where does RARC N650 appear on the 835 ERA?

RARC N650 is carried on the 835 Loop 2110 LQ segment alongside the CARC in the CAS segment of the same service line. The code and its X12 description also print on the paper EOB in the "Remark Code" or "Remark" column next to the corresponding denial or adjustment reason.

Is RARC N650 the same as ICD-10 code N650?

No. RARC N650 is a remittance-advice remark code published by X12 and carried on the 835. Any ICD-10 code with the same letters and digits is a diagnosis code on the 837 HI segment — a completely different code set maintained by the WHO/CMS. Use the transaction context (835 = RARC; 837 = ICD-10) to disambiguate.

Disclaimer

This page is operational reference for medical-billing professionals. It is not legal, clinical, or contractual advice. X12 code descriptors are maintained by the X12 External Code Lists; always verify against the current X12 release and the payer's own published policy before submitting or appealing a claim.