N651Remark Code (RARC)Active
N651 Remark Code - No PIP/Medical Payments Coverage
The N651 remark code indicates that there was no Personal Injury Protection (PIP) or Medical Payments Coverage on the policy at the time of the loss. This remark supplements a Claim Adjustment Reason Code that likely indicates a denial of payment due to lack of coverage for the services rendered.
How It Relates to the Denial
The N651 remark code typically accompanies reasons related to payment denials for services where the patient was expected to have PIP or Medical Payments Coverage. This combination signals that the payer is denying the claim based on policy limitations regarding coverage at the time of the incident.
Common Scenarios
1A patient was treated for injuries sustained in an auto accident, and the provider submitted a claim expecting coverage under the patient's PIP policy.
→ The N651 remark indicates the payer has denied the claim because there was no PIP or Medical Payments Coverage in effect when the loss occurred.
2A hospital billed for emergency services provided after a car accident, but the remittance shows a denial with a reason code indicating no coverage.
→ The presence of the N651 remark clarifies that the denial is specifically due to the absence of PIP or Medical Payments Coverage on the patient’s policy at the time of the accident.
3A physical therapy provider submits a claim for treatment related to a motor vehicle accident, but the payer returns a denial with a corresponding reason code.
→ The N651 remark suggests that the claim is denied because the policy did not include PIP or Medical Payments Coverage when the treatment was provided.
What to Do
- Verify the patient's insurance policy for coverage details related to Personal Injury Protection and Medical Payments at the time of the incident.
- Consider appealing the denial if coverage was in place during the relevant timeframe, including supporting documentation of the policy details.
What to Check
- The patient's insurance policy document to confirm coverage status at the time of the loss.
- The eligibility response received prior to the service to check for PIP or Medical Payments Coverage.
- The original claim details to ensure the services billed were appropriate under the coverage terms.