CARC code 45 — Charge exceeds fee schedule/maximum allowable

What CARC 45 means

Administrative or coding-related denials usually mean something is wrong with how the claim was submitted — wrong code, missing modifier, duplicate, or missing information. These are often resolvable by your provider's billing office without a substantive consumer appeal.

How to appeal a CARC 45 denial

Start by calling your provider's billing office and asking them to correct the submission. If the issue is that the insurer requires information you can supply (such as accident details, prior insurer information, or referral documentation), supply it directly to the insurer with a short cover letter referencing the denial code.

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 45 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.

Upload your denial Read the full appeal guide