Health insurance denial & claim adjustment codes

What health insurance denial code N876 means on your EOB

A No Surprises Act denial. Unlike an ordinary denial, this one carries federal dispute rights: after an open-negotiation period, the provider and plan can take the amount to independent federal dispute resolution, and you are largely held out of that fight.

What usually causes it

• The plan denied payment under the federal framework.
• Federal dispute resolution is available after open negotiation.
• The service is within the Act's scope.

The documents that decide it

• Your EOB with this code.
• The facility and provider network status.
• Any consent form you were asked to sign.

What to do next

Federal protections attach here. Do not pay a balance bill without checking your patient-responsibility amount on the EOB first.

This page explains what a code means. It is information, not advice — it does not tell you whether your specific claim should have been paid, and it is not legal, medical, or insurance advice. Your plan documents and your denial notice govern your situation.