Humana CO-204 Non-Covered Service Appeal Letter
Service is not covered under the patient's current benefit plan. Copy-paste appeal letter with documented overturn rate and attachment checklist for Humana.
Verify before filing
Filing deadlines, appeal addresses, and policy criteria in this template reflect typical payer behavior at publication. Humana updates policies frequently and plan-level rules vary by employer group, state, and line of business. Always cross-check the specific deadline and filing address on your EOB, and confirm current Humanamedical-policy language through the payer’s provider portal before submitting an appeal. Overturn-rate language below reflects AAPC-reviewer consensus, not payer-published statistics.
When to use this template
Humana CO-204 denials indicate the service is not covered under the patient's current plan. Before appealing, verify whether this is a true plan exclusion (appeal futile) or a covered-for-specific-indications case (appeal with proper ICD-10 and documentation).
Attachment checklist
- EOB (original remittance advice)
- Ordering provider clinical note
- Relevant imaging or lab results
- Payer medical policy excerpt with criteria met
Missing any one of these is the single largest cause of appeal denials. Build a pre-filing checklist before you submit.
Copy-paste letter template
Swap in your patient details at every [bracketed field]. Attach the documentation listed above. Submit within 180 days of the original adjudication.
[Practice Letterhead] [Date] Humana Provider Appeals Department [Address from EOB] Re: Formal Appeal of CO-204 Denial Member: [Patient Name] Member ID: [Member ID] Date of Service: [DOS] Claim Number: [Claim #] CPT: [CPT code with description] To Whom It May Concern: We are formally appealing the CO-204 denial (service is not covered under the patient's current benefit plan) on the above-referenced claim. The service was medically necessary and supported by clinical documentation meeting Humana's coverage criteria. Clinical Indication: [Patient], [age] y/o with [diagnosis, ICD-10], presented with [specific symptoms / clinical findings with documented dates]. Prior workup included [relevant prior testing, treatments, consultations]. The ordering provider determined [service] was clinically indicated based on [specific clinical reasoning]. Documentation attached: 1. Ordering provider's History and Physical 2. Prior diagnostic results supporting the order 3. Clinical rationale documented in the operative / procedure note 4. Humana medical policy excerpt demonstrating criteria met 5. [Any prior treatment history or conservative-care documentation] We respectfully request that the denial be reversed and the claim reprocessed for payment. If the appeal requires additional clinical discussion, [Dr. Name], the treating physician, is available for peer-to-peer review at [phone / email]. Thank you for your consideration. Sincerely, [Name, title] [Practice Name] [NPI, TIN] [Contact phone and email]
Verify whether this is a plan-level exclusion (appeal futile) or a specific-indication coverage issue (appeal with correct ICD-10). The EOB or the member's benefit summary will tell you which.
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Related templates
Same code, different payer. Or same payer, different problem
Common questions on this template
How long do I have to file a CO-204 appeal with Humana?
180 days from the initial adjudication date for most Humana plans. Corrected claims (for administrative fixes like missing modifiers or auth numbers) have a different and usually longer window. Always confirm the specific deadline on the EOB for your claim.
What is the typical overturn rate for this denial type?
Low to moderate; higher when ICD-10 coding supports a covered indication on the plan. Success depends heavily on documentation completeness and whether the clinical criteria in Humana's medical policy are matched point-by-point in the appeal.
Should I file this as a corrected claim or a formal appeal?
CO-204 denials are usually formal clinical appeals. The template below follows the formal-appeal structure. Use a corrected claim only if the fix is administrative (a missing modifier, wrong NPI) rather than clinical.
Can I reuse this template for other payers?
The structure works for any payer, but the filing address, deadline, and policy references are specific to Humana. Check our other templates for payer-specific versions; we have 50+ payer/code combinations in the directory.
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