Not legal advice - Denial Decoder helps you understand insurance denials; it doesn't replace a licensed attorney, doctor, or patient advocate.

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PR group

PR-204 Denial Code

What it means

Same as CO-204, but the insurer says YOU are responsible for the cost because it's non-covered.

Why it happens

The item is excluded from your benefits, and the plan is assigning the cost to you.

What to do

Verify the exclusion. Appeal if you believe it should be covered; otherwise ask about a covered alternative or a formulary/medical exception before paying.

Can you appeal it?

Sometimes - via exception or mandate argument.

Official description

This service/equipment/drug is not covered under the plan - patient responsibility.

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