CARC Code 149
The lifetime benefit maximum has been reached for this service or benefit category.
What this denial means
When you see CARC code 149 on your Explanation of Benefits (EOB), it means your insurer has denied the claim with the following reason: the lifetime benefit maximum has been reached for this service or benefit category.
This code is one of the most common denial reasons in the CARC system and appears across both employer-sponsored and ACA marketplace plans. How you respond depends on whether the denial is a patient-side or provider-side issue.
Can you appeal this?
Yes — this denial is patient-appealable. If the service is an Essential Health Benefit under the ACA, lifetime dollar limits are prohibited under 42 U.S.C. § 300gg-11 and 45 CFR § 147.126 — argue the cap is unenforceable. For ERISA plans, challenge whether the benefit category is correctly classified and whether MHPAEA mental health and substance use parity rules apply.
Applicable federal regulations:
ERISA plans (employer-sponsored)
- ERISA § 503
- 29 CFR § 2560.503-1(h)
ACA plans (marketplace / individual)
- PHS Act § 2719
- 45 CFR § 147.136(b)
- 45 CFR § 147.136(c)
- 45 CFR § 147.136(d)
Your insurer's legal team is bound by these regulations. An appeal letter that cites them directly demands a specific, documented response.
What to include in your appeal
Gather as many of these supporting documents as apply to your denial:
- –Explanation of Benefits (EOB)
- –Doctor's letter of medical necessity
- –Clinical notes and records from your provider
- –Prior authorization record (if applicable)
- –Summary of Benefits and Coverage (SBC)
See our submission guide for full instructions on each document and how to submit your appeal.
Related reading
Not legal or medical advice. Rebuttal is a document drafting tool, not a law firm. Review your letter before submitting and consult a licensed professional for legal questions specific to your plan.