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CO-P14 Denial Code: P&C Bundled Into Same-Day Service

CO-P14 means a property and casualty payer decided the benefit for this service is included in the payment for another service performed on the same day. It's the P&C version of a bundling adjustment, applied under the jurisdiction's or payer's rules.

Quick facts

Code
CO-P14 (CARC P14)
Status
Active In use since November 1, 2013; last modified July 1, 2017.
Code set
Claim Adjustment Reason Codes (CARC)
Group codes
  • CO (Contractual Obligation): The usual group. The bundled amount is not separately payable, and state rules generally bar billing the claimant for it.
Official description
The Benefit for this Service is included in the payment/allowance for another service/procedure that has been performed on the same day. Usage: Refer to the 835 Healthcare Policy Identification Segment (loop 2110 Service Payment Information REF), if present. To be used for Property and Casualty only.
X12 Claim Adjustment Reason Codes, retrieved September 25, 2026
Last verified
against the official X12 list.

What CO-P14 means

CARC P14 says the benefit for this service is included in the payment or allowance for another service or procedure that has been performed on the same day. X12 limits it to property and casualty claims. It replaced deactivated CARC W3.

This is the P&C counterpart to CO-97. The payer treats the service as part of another one billed for the same day, so it doesn’t pay it separately. The difference is the rulebook. In workers’ comp and auto claims, bundling usually follows the state fee schedule’s ground rules, which may adopt NCCI edits, modify them, or add state-specific rules.

The usage note points to the 835 healthcare policy identification segment (loop 2110 REF) for the policy used.

Common causes

  • Evaluation visit on the same day as a procedure without a modifier showing it was separate.
  • Incidental procedures billed alongside the primary procedure.
  • State-specific bundling, such as rules combining certain therapy, chiropractic, and visit codes.
  • Supplies included in the procedure allowance under the state schedule.
  • Report or record fees bundled with the visit.

How to fix it

  1. Check the state fee schedule ground rules and the payer’s bundling policy.
  2. Review documentation to see whether the services were truly distinct.
  3. If they were distinct, add the appropriate modifier allowed under the state’s rules and resubmit, or request reconsideration.
  4. If they weren’t, accept the adjustment.
  5. Use the state’s dispute process if the payer misapplied its own rules.
  6. Don’t bill the claimant for bundled amounts.

How to prevent it

  • Learn the bundling rules in each state workers’ comp and auto fee schedule you bill under.
  • Document separate services clearly, with separate assessments where appropriate.
  • Apply modifiers only when supported. See NCCI denials and modifiers for how bundling edits work generally.

Specialty notes

Chiropractic and PT practices treating auto and workers’ comp patients see CO-P14 most, often when an evaluation is billed on the same day as treatment codes.

Remark codes that may appear with CO-P14

  • N19 (Procedure code incidental to primary procedure.): The procedure is incidental to the primary procedure.
  • N20 (Service not payable with other service rendered on the same date.): The service isn't payable with another service on the same date.
  • N626 (New or established patient E/M codes are not payable with chiropractic care codes.): New or established patient E/M codes aren't payable with chiropractic care codes under the applicable rules.
  • CO-W3Deactivated (The Benefit for this Service is included in the payment/allowance for another service/procedure that has been performed on the same day.): The deactivated code that CARC P14 replaced.
  • CO-97 (The benefit for this service is included in the payment/allowance for another service/procedure that has already been adjudicated.): The general bundling code used outside P&C.
  • CO-236 (This procedure or procedure/modifier combination is not compatible with another procedure or procedure/modifier combination provided on the same day…): Procedure or modifier combination incompatible with another procedure, used in health claims.
  • CO-P13 (Payment reduced or denied based on workers' compensation jurisdictional regulations or payment policies, use only if no other code is applicable.): Workers' comp regulations or payment policies, a broader catch-all.

CO-P14 FAQ

How is CO-P14 different from CO-97?

They describe the same idea: a service included in another's payment. CO-P14 is limited to property and casualty claims, where state fee schedule bundling rules usually apply instead of a health plan's.

Do P&C payers follow NCCI edits?

Many state workers' comp and auto fee schedules adopt NCCI edits or similar rules, but some have their own bundling rules. Check the applicable state schedule.

Can a modifier unbundle a CO-P14 service?

Sometimes. If the services were distinct, a modifier such as 25 or 59 may be appropriate under the state's rules, supported by documentation.

Where is the policy reference?

The payer may include it in the 835 healthcare policy identification segment (loop 2110 REF).

Can I bill the claimant for a CO-P14 amount?

Generally no. Bundled amounts are part of the allowance for the other service, and state P&C rules usually bar billing the claimant for them.