Prerequisites
- Each payer’s timely filing limit, recorded from the contract
- Clearinghouse acceptance reports retained
- A held-claims report
Know your limits
Limits vary widely and are set by contract:
Record every payer’s limit in your tracking grid when you sign the contract, not when you get a CARC 29. Some commercial contracts run 90 days, which is shorter than a credentialing gap and shorter than many appeal cycles.
There are also separate, usually shorter, windows for corrected claims and appeals. Record all three per payer. See Timely filing limits by payer.
Prove you filed on time
Clearinghouse acceptance reports are the standard evidence. A 277CA showing the payer accepted the claim on a specific date, or a clearinghouse report showing successful transmission, is what wins a timely filing appeal. A screenshot of your PM system showing “submitted” is not — it proves you pressed a button, not that the payer received anything. Retain acceptance reports for at least the longest appeal window across your payers.The recognized exceptions
Where the deadline can be extended or excused:
Each has a documentation requirement. Assemble it with the appeal.
The guardrails
You get timely-filing write-offs to zero with process controls rather than individual effort.1
Enter charges within one business day
The clock starts at the date of service, not at charge entry. Every day of lag is a day of the window consumed.
2
Work rejections same-day
3
Run a no-acceptance report weekly
Every claim submitted more than three days ago with no 277CA acceptance. This is the report that catches claims lost between your system and the payer, the failure mode nothing else surfaces.
4
Track held claims against their limits
Claims held during credentialing, awaiting authorization, or pending COB resolution need an aging report with the deadline attached. See Handle credentialing delays.
5
Set an internal deadline well inside the contractual one
If the limit is 90 days, escalate anything unfiled at 45. The buffer leaves time to resolve rejections.
6
Alert on approaching deadlines
A daily or weekly report of unfiled claims within 30 days of their limit, by payer.
7
Track timely-filing write-offs as a metric
Target zero. Any non-zero number gets a root cause and a process change.
Appealing a CARC 29
1
Find the proof
Clearinghouse acceptance report, 277CA, or transmission confirmation showing the original submission date.
2
Write the appeal
State the original submission date, attach the acceptance report, cite the contract’s filing limit, and show the submission fell within it.
3
If there was no timely submission, check for an exception
Retroactive eligibility, COB delay, payer error, or a retro-effective enrollment date.
4
If neither applies, write it off, with a root cause
And fix the process that caused it. A timely-filing write-off with no process change will recur.
Verify it worked
- Every payer’s initial, corrected-claim, and appeal windows recorded
- Charges entered within one business day
- Rejections worked same-day
- Weekly no-acceptance report running
- Held claims tracked with deadlines
- Internal deadline set inside the contractual one
- Approaching-deadline alerts configured
- Acceptance reports retained for the longest appeal window
- Timely-filing write-offs tracked, targeting zero