Aetna Claim Submission Requirements

Overview

Aetna requires in-network providers to submit claims within 90 days of the date of service. Out-of-network providers have 180 days. Electronic submission via Availity or a certified clearinghouse is required for all professional and institutional claims.

Key Requirements

  1. In-network filing deadline: 90 days from date of service.
  2. Out-of-network filing deadline: 180 days from date of service.
  3. Electronic submission required for all claims (CMS-1500 for professional, UB-04 for institutional).
  4. Required fields: member ID, group number, provider NPI, diagnosis codes (ICD-10), procedure codes (CPT/HCPCS), date of service, place of service.
  5. Secondary claims: 90 days from primary payer's EOB date.

Timeline

Day 1: Verify eligibility and benefits before service. Day of service: Collect copay, verify member ID. Days 1-3 post-service: Submit clean claim electronically. Days 4-14: Automated adjudication for clean claims. Days 15-30: Payment processed. Days 31-90: Final filing window for in-network claims.

Common Denials

CARC Code Reason Primary Cause Fix
CO-4 Procedure code inconsistent with modifier Coding mismatch on claim Run NCCI edits before submission
CO-22 Coordination of benefits Other insurance not identified Verify COB status at eligibility check
CO-29 Timely filing Claim submitted after 90 days Submit within 30 days for best results

Appeals

Appeal denied claims within 180 days of the denial date. Submit via the Aetna provider portal with supporting documentation. Include the original claim, EOB, and corrected information. Standard appeal response: 30 days.

FAQ

Does Aetna accept paper claims?

Aetna strongly prefers electronic claims. Paper claims are accepted only from providers without electronic capability, and processing takes 30-45 days versus 14-21 for electronic submissions.

What clearinghouses does Aetna accept?

Aetna accepts claims through Availity (preferred), Change Healthcare, Trizetto, and other certified EDI clearinghouses. Check Aetna's provider portal for the current list of approved trading partners.

How do I submit corrected claims to Aetna?

Submit a replacement claim (frequency code 7 on the CMS-1500 or bill type xx7 on UB-04) with the original claim number referenced. Corrected claims must be filed within 90 days of the original remittance date.

Prevent These Denials

Altair validates every claim field against Aetna's requirements before submission.

Related Resources

This reference is current as of 2026-03-23. Payer policies change. Always verify against the payer's latest policy documentation.
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