CO-197: Precertification/Authorization/Notification Absent

CO (Contractual Obligation)

What is CO-197?

CO-197 is a Contractual Obligation code indicating the required precertification, prior authorization, or notification was not obtained before the service was rendered. This is one of the top 5 denial codes by volume across all commercial payers. 92% of providers report that prior auth delays patient care.

Why Does CO-197 Occur?

  1. Prior authorization not obtained before the service. The payer requires pre-approval for the procedure, and it was not on file.
  2. Authorization expired. The auth was obtained but the service was performed after the authorization's valid date range.
  3. Authorization for a different procedure or provider. The auth on file does not match the procedure code, provider NPI, or facility billed on the claim.
  4. Notification deadline missed. Some payers require notification within 24-48 hours of an emergency admission even when prior auth is not required.

How to Fix CO-197 Denials

  1. Check the payer's auth requirements for the specific CPT code. Confirm whether auth was needed and, if so, whether one was obtained.
  2. If auth was obtained but the claim was denied, verify the auth number, procedure code, provider, and date range match the claim exactly.
  3. Request retroactive authorization if the payer allows it. Many payers permit retro auth within 24-72 hours of emergency services.
  4. Appeal with clinical documentation, the auth reference number (if available), and evidence that the service was medically necessary.

CO-197 by Payer

Payer Common RARC Appeal Deadline Notes
UnitedHealthcare N/A 60 days from remittance UHC's prior auth list is updated quarterly. Check uhcprovider.com for current requirements.
Anthem N/A 365 days from denial notice Anthem allows retro auth within 72 hours for emergency admissions.
Aetna N/A 180 days from denial Aetna publishes auth requirements by CPT code on their provider portal.
Cigna N/A 180 days from denial Cigna requires auth for most outpatient surgeries and advanced imaging.
Medicare N/A 120 days (redetermination at MAC) CMS mandates 72-hour expedited PA response by Jan 2026. Digital PA APIs required by Jan 2027.

Related CARC Codes

If you are seeing CO-197, check these related codes: CO-21 (required authorization absent), CO-23 (prior auth not obtained), CO-50 (non-covered service).

Common Questions About CO-197

Can I get retroactive authorization?

Some payers allow retro auth for emergency services, typically within 24-72 hours. Check the payer's policy. Elective procedures without prior auth are much harder to authorize retroactively.

What is the difference between CO-197 and CO-23?

Both relate to missing authorization. CO-197 specifically means precertification or notification was absent. CO-23 means the prior authorization was not obtained. In practice, payers use them interchangeably, but CO-197 may also apply to notification requirements for emergencies.

Altair catches CO-197 denials before submission with prior auth requirement checking. See how pre-submit claim scoring works.

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This reference is for informational purposes. Always verify against current payer policies and CMS guidelines. Last updated: 2026-03-09.