CARC code 198 — Precertification/authorization exceeded

What CARC 198 means

Prior authorization denials mean the service required your insurer's pre-approval and either it wasn't obtained, it was denied, or proof of it is missing.

How to appeal a CARC 198 denial

Appeals in this category typically succeed when you can document that the prior-auth process was attempted, that urgent circumstances prevented it, or that the service should be covered as an exception. A treating-provider letter is the single most important supporting document.

What InsureDefense adds

Our triage classifies your specific denial into one of ten categories and tells you exactly what evidence appeals like yours typically need. For CARC 198 denials, we usually recommend the tier that fits the category of the denial — sometimes Strong ($249) is enough, sometimes Premium ($499) with plan-language citations and peer-reviewed support is the right path. The free triage shows you which.

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