Appealing a Horizon Blue Cross Blue Shield of NJ CO-45 Denial
A Horizon Blue Cross Blue Shield of NJ CO-45 denial (charge exceeds fee schedule) is one of the most common claim rejections behavioral health therapists face. This guide explains exactly what caused the denial and the most effective appeal strategy for behavioral health practices.
What this denial means
Your billed charge is higher than the maximum the payer allows for this service under the fee schedule. This is a contractual reduction — it is not a denial of the service, just a reduction to the contracted rate. No appeal is required unless you believe the fee schedule was applied incorrectly.
Your appeal strategy
Confirm the billed code was correct. If you believe the fee schedule rate was applied in error (wrong contract, wrong table year, out-of-network rate applied to an in-network claim), request the fee schedule documentation from the payer and compare against your contract. File a payment dispute with the contract reference if there is a discrepancy.
What Horizon Blue Cross Blue Shield of NJ requires
P.O. Box 820
Newark, NJ 07101
30 calendar days (Level-1 appeal)
60 days from Level-1 denial
1-973-466-5210
New Jersey has strong mental-health parity law (N.J.S.A. 17:48-6e). Horizon administers BH through Magellan in some product lines — verify the correct entity before filing.
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Generate my appeal letter →Frequently asked questions
How long does Horizon Blue Cross Blue Shield of NJ have to respond to a CO-45 appeal?
Under federal regulations and most state prompt-payment laws, Horizon Blue Cross Blue Shield of NJ must respond to a Level-1 internal appeal within 30 calendar days. If you receive an adverse determination, you typically have 60 calendar days from the date of the Level-1 denial to request external review. Send the appeal via certified mail or through the payer's portal and keep documentation of the submission date.
Does MHPAEA apply to CO-45 denials?
CO-45 denials are not directly tied to mental health parity protections in most cases — this code is a general adjudication rule that applies equally to all claim types. MHPAEA may still be relevant if the underlying reason for the denial differs for mental health vs. medical/surgical services. When in doubt, include a parity argument in your appeal.
Can I appeal a CO-45 denial more than once?
Yes. Most payers, including Horizon Blue Cross Blue Shield of NJ, allow at least two levels of internal appeal (Level-1 and Level-2 or "expedited" review). After exhausting internal appeals, you have the right to request an Independent Medical Review (IMR) or external review through your state insurance commissioner. Keep copies of every appeal, submission confirmation, and payer response.
What documentation do I need to appeal a CO-45 denial from Horizon Blue Cross Blue Shield of NJ?
At minimum: the original Explanation of Benefits (EOB) or Remittance Advice (RA) showing the CO-45 denial, the original claim details (CPT code, date of service, NPI, charge amount), and any clinical documentation supporting medical necessity. Submit everything in one packet with a cover letter citing the specific denial code, the date of service, and the claim number.