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N810 Remark Code: In-Network Rate Due to Disaster Order

N810 is an alert that, because of a federal, state, or local disaster declaration, the claim was processed at the in-network level of benefits even if the provider is out of network. Normal network payment rules return when the declaration ends or expires.

Quick facts

Code
N810 (RARC N810)
Status
Active In use since November 1, 2018; last modified March 1, 2019.
Code set
Remittance Advice Remark Codes (RARC)
Group codes
  • PR (Patient Responsibility): The patient's cost sharing on this claim was calculated at in-network levels because of the declaration.
  • CO (Contractual Obligation): Any contractual or pricing reduction on the line remains the provider's responsibility as described by the accompanying CARC.
Official description
Alert: Due to federal, state or local disaster declaration, this claim has been processed at the in-network level of benefit. At the conclusion or expiration of the disaster declaration, network payment rules will be reinstated.
X12 Remittance Advice Remark Codes, retrieved September 25, 2026
Last verified
against the official X12 list.

What N810 means

During declared disasters, many payers relax network rules so patients can get care wherever it’s available. N810 tells you that happened on this claim: the payer applied in-network benefit levels, usually meaning in-network deductible, copay, and coinsurance, even though network status might otherwise have led to lower benefits or a denial.

The alert also warns that this is temporary. Once the declaration ends or expires, the payer returns to normal network rules.

What to do

  1. Post the claim as processed. Patient responsibility appears under PR; any other reduction follows its CARC.
  2. Note the date of service relative to the declaration period, since claims after it ends may process differently.
  3. Check balance billing rules before billing the patient anything beyond the PR amount, particularly if you are out of network.
  4. Plan for the transition. Once network rules resume, verify eligibility and network status again for ongoing patients. See eligibility and COB denials.

Codes that may appear with N810

  • CO-45 (Charge exceeds fee schedule/maximum allowable or contracted/legislated fee arrangement.): The charge was reduced to the allowed amount the payer used for the claim.
  • PR-2 (Coinsurance Amount): Coinsurance calculated at the in-network level of benefit.
  • N838 (Alert: Service/procedure postponed due to a federal, state, or local mandate/disaster declaration.): A disaster alert about postponed services and deductible applied to the prior plan year.
  • CO-242 (Services not provided by network/primary care providers.): Services not provided by network providers, the denial that disaster rules can temporarily set aside.

N810 FAQ

Does N810 make me an in-network provider?

No. It only means the patient's benefits were applied at the in-network level for this claim during the declaration. Your contract status doesn't change.

How long will claims be processed this way?

Until the declaration ends or expires, or the payer's own disaster policy ends. After that, normal network rules apply again, as the alert text says.

Can I balance bill the patient?

That depends on your network status, the payer's disaster policy, and federal and state balance billing rules. Check before sending a bill.