CO-97: Payment included in another billed service (bundled)
UPDATED JULY 2026 · U.S. PLANS · NOT LEGAL OR MEDICAL ADVICE
The payer considers this service part of another procedure already paid — a bundling rule. A provider-side coding matter in nearly all cases.
CO-97 at a glance
- Code group: CO — Contractual Obligation — in-network providers generally cannot bill you for CO adjustments.
- Who usually fixes it: The provider’s billing office.
- Worth appealing? Rarely — usually fixed by resubmission.
What to do about a CO-97 denial
- Ask the billing office to review; if the service was genuinely separate, they can rebill with the proper modifier.
- In-network, bundled write-offs are generally not billable to you.
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