The name, date of birth, or member ID on the claim does not match what the payer has on file.
Usually a typo at intake, a nickname where the card shows a legal name, a member ID copied with or without a dash the payer expects the other way, or a dependent billed under the wrong subscriber.
The card says Jonathan, the chart says Jon, and the payer record was built from the employer roster with a middle initial. Two of three claims for the family process and the third denies CO-140. Eligibility run with the exact card data shows the payer’s version of the name, the chart is corrected, and the resubmission pays.
AI insurance card capture reads the card at intake, and eligibility checks confirm the identifiers match the payer before the first claim goes out.
General information for billing teams, not legal or payer specific advice. CARC definitions belong to X12; payer policies vary and control. Verify against the payer contract before acting on any individual claim.