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N48 Remark Code: Claim Doesn't Match Other Carrier Data

N48 means the information on the claim does not agree with information the payer received from another insurance carrier. The payer found a conflict, such as different services, amounts, or dates, and cannot coordinate benefits until it is resolved.

Code: N48 (RARC N48)
Status: Active In use since January 1, 2000.
Code set: Remittance Advice Remark Codes (RARC)
Group codes: OA (Other Adjustment): The adjustment reflects a coordination-of-benefits data conflict, not a coverage decision or patient balance.
CO (Contractual Obligation): The provider is expected to correct the claim so it matches the other carrier's adjudication.
Official description: Claim information does not agree with information received from other insurance carrier.
X12 Remittance Advice Remark Codes, retrieved September 25, 2026
Last verified: September 24, 2026 against the official X12 list.

What N48 means

A secondary payer calculates its share from two sets of information: your claim and the other carrier’s adjudication. When those two disagree, the payer cannot tell which is correct. N48 is its way of saying the two do not line up.

N48 commonly pairs with CARC 16, CARC 129 (prior processing information appears incorrect), or CARC 23.

Common causes

Procedure codes, modifiers, or units on the secondary claim differ from the primary claim.
The billed charges differ between the two claims.
The dates of service or patient details were changed after the primary processed.
The primary’s paid amount or adjustments were keyed incorrectly on the secondary claim.
The secondary claim was built from a corrected primary claim the primary has not yet adjudicated.

What to do

Get the other carrier’s remittance for the same claim and compare it line by line with your secondary claim.
Find the mismatch, whether in codes, units, charges, dates, member details, or reported payments.
Correct the secondary claim so its lines and amounts mirror the primary’s adjudication, then send it as a corrected claim with resubmission code 7.
Fix the primary first if the primary’s data is wrong, then rebill the secondary with the new remittance.

How to prevent it

Build secondary claims directly from the posted primary remittance rather than from the original charges, and lock line items so they cannot be changed between primary and secondary billing. For deeper coverage, see eligibility and COB root causes.

Codes that may appear with N48

CO-16 (Claim/service lacks information or has submission/billing error(s).): The claim has a billing error, here a conflict with the other carrier's data.
CO-129 (Prior processing information appears incorrect.): Prior processing information appears incorrect.
OA-23 (The impact of prior payer(s) adjudication including payments and/or adjustments. (Use only with Group Code OA)): The impact of prior payer adjudication, which cannot be applied while data conflicts.

N4 (Missing/Incomplete/Invalid prior Insurance Carrier(s)): The prior carrier's EOB is missing or invalid.
N9 (Adjustment represents the estimated amount a previous payer may pay.): The payer estimated what a previous payer may pay.
N245 (Incomplete/invalid plan information for other insurance.): Plan information for the other insurance is incomplete or invalid.
MA92 (Missing plan information for other insurance.): Plan information for other insurance is missing.

N48 FAQ

What does 'information from another carrier' mean?

It can be the primary payer's remittance data sent with your claim, a crossover record, or information the payer obtained directly from the other insurer through coordination of benefits.

Which one is right, my claim or the other carrier?

Whichever matches what was actually done and how it was adjudicated. If the primary processed the claim incorrectly, fix it with the primary first.

Can I just send the secondary claim again?

Not without changes. Resending the same data will produce the same conflict. Find and correct the mismatch first.

Important: read before using this information

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