Latency: <2ms Edge Availability: 99.99% Standard: ANSI 835 / WPC CARC Verified: Sep 2026 V8 Pure Compute

CARC 45 Denial Code (Charge Exceeds Fee Schedule / Maximum Allowable Amount) | ANSI 835 EDI Spec

Q: What does CARC 45 mean on an 835 ERA?

CARC 45 signifies: "Charge exceeds fee schedule/maximum allowable or contracted/legislated fee arrangement.". It explains why the payer did not pay the full billed charge.

Q: Can a provider balance-bill the patient for CARC 45?

Strictly Prohibited for participating providers.

Q: How do medical billing teams resolve and appeal CARC 45?

Apply contractual write-off in practice management/billing system. In-network providers are legally and contractually obligated not to bill the patient.

Comprehensive healthcare EDI technical reference and denial resolution guide for Claim Adjustment Reason Code 45 (Charge Exceeds Fee Schedule / Maximum Allowable Amount) under ANSI ASC X12 835 005010X221A1.

View Pricing & SLA → ⚡ Test in Live Workbench ← Back to Healthcare EDI ANSI X12 Parser API

Official Regulatory Standard & Verification Protocol Authority: Accredited Standards Committee X12 / HIPAA 5010 ↗

Direct Answer Capsule: Comprehensive healthcare EDI technical reference and denial resolution guide for Claim Adjustment Reason Code 45 (Charge Exceeds Fee Schedule / Maximum Allowable Amount) under ANSI ASC X12 835 005010X221A1. Conforms strictly to ANSI ASC X12 Standards (005010) with zero cold-starts and deterministic edge verification.

Execution SLA

<2ms Edge (Cloudflare V8)

Governing Norm

ANSI 835 / WPC CARC

Active Standard

Sep 2026 Edition

Throughput Limit

512 KB / Payload

Data Privacy

100% In-Memory (Zero Store)

Interactive Edge Workbench

⚡ Live CARC 45 Denial Code (Charge Exceeds Fee Schedule / Maximum Allowable Amount) | ANSI 835 EDI Spec Interactive Workbench

Test real-time validation and deterministic schema parsing for CARC 45 Denial Code (Charge Exceeds Fee Schedule / Maximum Allowable Amount) | ANSI 835 EDI Spec directly in your browser. Sub-5ms Cloudflare edge execution with zero setup.

32KB Demo Cap 60 req/min Burst <2ms V8 Compute Zero Data Retention

input.x12 0 B

output.json demo-ready

Status: Ready

{
  "status": "Click 'Run Edge Parse' to test live on Global Edge Isolates..."
}

Specification & Structural Breakdown

Technical Rule Summary: Implementation conforms strictly to ANSI ASC X12 Standards (005010). Data ingestion is fully deterministic: identical inputs always produce bit-for-bit identical outputs without ambient side-effects.

Claim Adjustment Reason Code (CARC) 45 communicates: "Charge exceeds fee schedule/maximum allowable or contracted/legislated fee arrangement.".

In ANSI X12 835 Electronic Remittance Advice (ERA) files, CARC 45 is reported in Loop 2110 (Service Payment Information) or Loop 2100 (Claim Payment Information) under the Claim Adjustment (CAS) segment with Group Code 'CO' (Contractual Obligation), formatted as: CAS*CO*45*AMOUNT~.

Root Cause: The billed charge on the service line exceeds the contracted reimbursement ceiling agreed upon between the participating provider and payer.

Adjudication & Appeal Strategy: Apply contractual write-off in practice management/billing system. In-network providers are legally and contractually obligated not to bill the patient.

Attribute	Value	Technical Guidance
Reason Code	CARC 45	Charge Exceeds Fee Schedule / Maximum Allowable Amount
Standard Group Code	CO	Contractual Obligation
ANSI 835 Segment	CASCO45*AMOUNT~	Loop 2110 or Loop 2100
Balance Billing Patient	Strictly Prohibited for participating providers.	Compliance with billing regulations
Common RARCs	N517, MA01	Remittance Advice Remark Codes
Recommended Action	Apply contractual write-off in practice management/billing system. In-network providers are legally and contractually obligated not to bill the patient.	Workflow for billing teams

Parsed JSON Response Model

The edge microservice transforms input payloads into strongly-typed hierarchical JSON envelopes with sub-5ms latency:

HTTP 200 JSON Response Envelope

{
  "transactionType": "835",
  "claimNumber": "CLM-2026-001",
  "adjudication": {
    "billedAmount": 500,
    "paidAmount": 0,
    "adjustments": [
      {
        "groupCode": "CO",
        "groupName": "Contractual Obligation",
        "reasonCode": "45",
        "reasonDescription": "Charge Exceeds Fee Schedule / Maximum Allowable Amount",
        "adjustmentAmount": 500
      }
    ]
  }
}

Copy-Paste Integration Code (5 Languages)

Integrate CARC 45 Denial Code (Charge Exceeds Fee Schedule / Maximum Allowable Amount) | ANSI 835 EDI Spec directly into your production application with native, zero-dependency code snippets in cURL, Node.js, Python, Go, and C#:

curl --request POST \
  --url "https://healthcare-edi-ansi-x12-parser-837p-835-271.stanzaapi.com/api/v1/x12/parse" \
  --header "Content-Type: application/json" \
  --header "x-api-key: YOUR_API_KEY" \
  --data '{
  "raw": "ISA*00*          *00*          *ZZ*SUBMITTER1     *ZZ*RECEIVER01     *260830*1200*^*00501*000000001*0*P*:~GS*HC*SENDER*RECEIVER*20260830*1200*1*X*005010X222A1~ST*837*0001*005010X222A1~BHT*0019*00*CLAIM001*20260830*1200*CH~NM1*41*2*DR DOE CLINIC*****46*1234567890~PER*IC*SUPPORT*TE*8005551212~HL*1**20*1~NM1*85*2*DR DOE CLINIC*****XX*1992837465~HL*2*1*22*0~NM1*IL*1*SMITH*JANE****MI*W123456780~CLM*CLM001*150.00***11::1*Y*A*Y*Y~LX*1~SV1*HC:99213*150.00*UN*1***1~SE*11*0001~GE*1*1~IEA*1*000000001~"
}'

const response = await fetch("https://healthcare-edi-ansi-x12-parser-837p-835-271.stanzaapi.com/api/v1/x12/parse", {
  method: "POST",
  headers: {
    "Content-Type": "application/json",
    "x-api-key": process.env.API_KEY || "YOUR_API_KEY"
  },
  body: JSON.stringify({
  "raw": "ISA*00*          *00*          *ZZ*SUBMITTER1     *ZZ*RECEIVER01     *260830*1200*^*00501*000000001*0*P*:~GS*HC*SENDER*RECEIVER*20260830*1200*1*X*005010X222A1~ST*837*0001*005010X222A1~BHT*0019*00*CLAIM001*20260830*1200*CH~NM1*41*2*DR DOE CLINIC*****46*1234567890~PER*IC*SUPPORT*TE*8005551212~HL*1**20*1~NM1*85*2*DR DOE CLINIC*****XX*1992837465~HL*2*1*22*0~NM1*IL*1*SMITH*JANE****MI*W123456780~CLM*CLM001*150.00***11::1*Y*A*Y*Y~LX*1~SV1*HC:99213*150.00*UN*1***1~SE*11*0001~GE*1*1~IEA*1*000000001~"
})
});

const data = await response.json();
console.log(data);

import requests
import json

url = "https://healthcare-edi-ansi-x12-parser-837p-835-271.stanzaapi.com/api/v1/x12/parse"
headers = {
    "Content-Type": "application/json",
    "x-api-key": "YOUR_API_KEY"
}
payload = {
    "raw": "ISA*00*          *00*          *ZZ*SUBMITTER1     *ZZ*RECEIVER01     *260830*1200*^*00501*000000001*0*P*:~GS*HC*SENDER*RECEIVER*20260830*1200*1*X*005010X222A1~ST*837*0001*005010X222A1~BHT*0019*00*CLAIM001*20260830*1200*CH~NM1*41*2*DR DOE CLINIC*****46*1234567890~PER*IC*SUPPORT*TE*8005551212~HL*1**20*1~NM1*85*2*DR DOE CLINIC*****XX*1992837465~HL*2*1*22*0~NM1*IL*1*SMITH*JANE****MI*W123456780~CLM*CLM001*150.00***11::1*Y*A*Y*Y~LX*1~SV1*HC:99213*150.00*UN*1***1~SE*11*0001~GE*1*1~IEA*1*000000001~"
}

response = requests.post(url, json=payload, headers=headers)
print(response.json())

package main

import (
	"bytes"
	"fmt"
	"io"
	"net/http"
	"os"
)

func main() {
	url := "https://healthcare-edi-ansi-x12-parser-837p-835-271.stanzaapi.com/api/v1/x12/parse"
	payload := []byte(`{"raw":"ISA*00*          *00*          *ZZ*SUBMITTER1     *ZZ*RECEIVER01     *260830*1200*^*00501*000000001*0*P*:~GS*HC*SENDER*RECEIVER*20260830*1200*1*X*005010X222A1~ST*837*0001*005010X222A1~BHT*0019*00*CLAIM001*20260830*1200*CH~NM1*41*2*DR DOE CLINIC*****46*1234567890~PER*IC*SUPPORT*TE*8005551212~HL*1**20*1~NM1*85*2*DR DOE CLINIC*****XX*1992837465~HL*2*1*22*0~NM1*IL*1*SMITH*JANE****MI*W123456780~CLM*CLM001*150.00***11::1*Y*A*Y*Y~LX*1~SV1*HC:99213*150.00*UN*1***1~SE*11*0001~GE*1*1~IEA*1*000000001~"}`)

	req, _ := http.NewRequest("POST", url, bytes.NewBuffer(payload))
	req.Header.Add("Content-Type", "application/json")
	req.Header.Add("x-api-key", os.Getenv("API_KEY"))

	res, err := http.DefaultClient.Do(req)
	if err != nil {
		panic(err)
	}
	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)
	fmt.Println(string(body))
}

using System;
using System.Net.Http;
using System.Text;
using System.Threading.Tasks;

class Program
{
    static async Task Main()
    {
        using var client = new HttpClient();
        client.DefaultRequestHeaders.Add("x-api-key", Environment.GetEnvironmentVariable("API_KEY") ?? "YOUR_API_KEY");

        var json = @"{""raw"":""ISA*00*          *00*          *ZZ*SUBMITTER1     *ZZ*RECEIVER01     *260830*1200*^*00501*000000001*0*P*:~GS*HC*SENDER*RECEIVER*20260830*1200*1*X*005010X222A1~ST*837*0001*005010X222A1~BHT*0019*00*CLAIM001*20260830*1200*CH~NM1*41*2*DR DOE CLINIC*****46*1234567890~PER*IC*SUPPORT*TE*8005551212~HL*1**20*1~NM1*85*2*DR DOE CLINIC*****XX*1992837465~HL*2*1*22*0~NM1*IL*1*SMITH*JANE****MI*W123456780~CLM*CLM001*150.00***11::1*Y*A*Y*Y~LX*1~SV1*HC:99213*150.00*UN*1***1~SE*11*0001~GE*1*1~IEA*1*000000001~""}";
        var payload = new StringContent(json, Encoding.UTF8, "application/json");

        var response = await client.PostAsync("https://healthcare-edi-ansi-x12-parser-837p-835-271.stanzaapi.com/api/v1/x12/parse", payload);
        var content = await response.Content.ReadAsStringAsync();
        Console.WriteLine(content);
    }
}

Frequently Asked Questions & Technical Notes

What does CARC 45 mean on an 835 ERA?

CARC 45 signifies: "Charge exceeds fee schedule/maximum allowable or contracted/legislated fee arrangement.". It explains why the payer did not pay the full billed charge.

Can a provider balance-bill the patient for CARC 45?

Strictly Prohibited for participating providers.

How do medical billing teams resolve and appeal CARC 45?

Apply contractual write-off in practice management/billing system. In-network providers are legally and contractually obligated not to bill the patient.

Related Healthcare EDI ANSI X12 Parser API Formats

Explore sibling specifications and standards in the same developer cluster:

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CARC 45 Denial Code (Charge Exceeds Fee Schedule / Maximum Allowable Amount) | ANSI 835 EDI Spec

⚡ Live CARC 45 Denial Code (Charge Exceeds Fee Schedule / Maximum Allowable Amount) | ANSI 835 EDI Spec Interactive Workbench

Specification & Structural Breakdown

Parsed JSON Response Model

Copy-Paste Integration Code (5 Languages)

Frequently Asked Questions & Technical Notes

Related Healthcare EDI ANSI X12 Parser API Formats

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