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N510 Remark Code: Spending Account Funds Insufficient

N510 is an alert that a current inquiry showed the member's Consumer Spending Account did not have enough funds to cover the member's liability for this claim or service. Any amount the account cannot pay remains the member's responsibility.

Code: N510 (RARC N510)
Status: Active In use since November 1, 2008.
Code set: Remittance Advice Remark Codes (RARC)
Group codes: PR (Patient Responsibility): The amount is member responsibility. The spending account may pay part or none of it, depending on available funds.
Official description: Alert: A current inquiry shows the member's Consumer Spending Account does not contain sufficient funds to cover the member's liability for this claim/service. Actual payment from the Consumer Spending Account will depend on the availability of funds and determination of eligible services at the time of payment processing.
X12 Remittance Advice Remark Codes, retrieved September 25, 2026
Last verified: September 24, 2026 against the official X12 list.

What N510 means

N510 is the opposite of N509. When the payer checked the member’s HSA, FSA, or HRA while processing the claim, the balance was not enough to cover the member’s deductible, coinsurance, or co-payment. Some or all of that liability will not be paid from the account.

The alert does not affect how the plan adjudicated the claim. It only tells you where the patient portion is likely to come from.

What to do

Check the remittance for any amount that was paid from the account, which may be reported with CARC 187.
Bill the patient for the remaining responsibility according to your usual process.
Let the patient know the account did not have sufficient funds, in case they expected it to cover the visit.

Front-desk staff who see N510 regularly for a payer may want to confirm payment method at check-in rather than assuming the spending account will pay.

Codes that may appear with N510

PR-1 / PR-2 / PR-3 (Deductible, coinsurance, and co-payment.): The member cost-sharing the account was checked against.
PR-187 (Consumer Spending Account payments (includes but is not limited to Flexible Spending Account, Health Savings Account, Health Reimbursement Account,…): Reports any amount actually paid from a spending account.

N509 (Alert: A current inquiry shows the member's Consumer Spending Account contains sufficient funds to cover the member liability for this claim/service.): The inquiry showed sufficient funds.
N740 (The member's Consumer Spending Account does not contain sufficient funds to cover the member's liability for this claim/service.): A non-alert remark stating the account lacked sufficient funds to cover the liability.
N511 (Alert: Information on the availability of Consumer Spending Account funds to cover the member liability on this claim/service is not available at…): The payer could not determine whether funds were available.

N510 FAQ

Can I bill the patient right away?

Generally yes, for the portion the spending account does not cover, following your financial policy. Check whether a partial account payment was made first.

Could the account still pay later?

Possibly. The alert reflects a balance check at one moment. If the member adds funds or the balance changes, payment may still depend on the account's rules at processing time.

Is anything wrong with my claim?

No. N510 is about the member's account balance, not about the claim.

Important: read before using this information

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