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Timely Filing Limits: What You Need to Know
Timely Filing Limits: What You Need to Know

Timely filing limits dictate the time frame within which claims must be submitted to insurance.

Updated over 3 months ago

Understanding the Timely Filing Limit

Timely filing refers to the time limit set by insurance companies within which a claim must be submitted to be eligible for processing or reimbursement. Each insurance company determines its own timely filing limits, which can vary significantly, ranging from 90 days to 18 months, depending on their specific rules and guidelines.

For example, if an insurance company has a 90-day timely filing limit, you must submit your claim within 90 days from the date of service. Failure to meet this deadline typically results in the claim being denied, meaning the services will not be reimbursed.

Mentaya's Policy on Timely Filing

Given the importance of timely filing, we only accept superbills that fall within the timely filing limit of your insurance provider. When you submit superbills with retroactive dates of service, our team will review them to ensure they are within the allowable time frame.

If any dates of service submitted via superbill are past the timely filing limit, we will notify you via email, specifying which claims will not be processed. Additionally, we will issue refunds for any fees incurred for those superbills, and the claims will not be billed out.

Timely Filing Limits by State and Insurance Provider

Below is a comprehensive database of timely filing limits for various insurance providers across different states. These limits are calculated from the date of service, and adherence to these time frames is crucial for successful claim processing.

Please note that the timely filing limits provided in this list are estimates based on information from various insurance companies. In some instances, the limits reflect those for in-network claims, as specific details for out-of-network claims may not be readily available from the insurance providers.

When we submit superbills, we adhere to the timely filing limits as provided by the insurance company to ensure proper claim processing.

State

Insurance

Timely Filing Limit (From the date of service)

Source

Alabama

BCBS

2 Years

Alaska

​BCBS

1 Year

Arizona

​BCBS

1 Year

Arkansas

BCBS

180 Days

California

Anthem

180 Days

California

Blue Cross

180 Days

Colorado

Anthem Blue Cross

1 year

Delaware

Highmark BCBS

120 Days

Florida

BCBS

1 Year

Florida

Blue

1 Year

Hawaii

BCBS

1 Year

Idaho

BCBS

180 Days

Illinois

BCBS

180 Days

Indiana

Anthem BCBS

90 Days

Iowa

Wellmark BCBS

180 Days

Kansas

BCBS

12 Months

Kentucky

Anthem BCBS

90 Days

Louisiana

BCBS

15 Months

Massachusetts

Blue Cross

90 Days

Michigan

Blue Cross

1 Year

Michigan

BCBS

1 Year

Minnesota

BCBS

180 Days

Mississippi

BCBS

December 31 of the calendar year following the year in which the service was rendered

Montana

BCBS

180 Days

Nebraska

BCBS

Check with each individual plan as they are all different

New Jersey

Horizon BCBS

180 Days

New Mexico

BCBS

180 Days

New York

BCBS

1 Year

New York

Fidelis

90 Days

New York Northeastern

BCBS

1 Year

North Carolina

BCBS

18 Months

Ohio

Anthem BCBS

90 Days

Oklahoma

BCBS

180 Days

Pennsylvania

​Highmark BCBS

1 Year

Pennsylvania

Independence Blue Cross

120 Days

Rhode Island

BCBS

180 Days

South Dakota

Wellmark BCBS

180 Days

Tennessee

BCBS

120 Days

Texas

BCBS

95 Days

Vermont

BCBS

180 Days

Washington DC

Carefirst

1 Year

West Virginia

​Highmark BCBS

1 Year

Wisconsin

Anthem BCBS

90 Days

Wyoming

BCBS

60 Days

Aetna

2 Years

Aetna Better Health

180 Days

Aetna Better Health Kids

180 Days

Ambetter

180 Days

AvMed

1 Year

Beacon Health

90 Days

Caresource

90 Days

Centene

1 Year

Champus

1 Year

Cigna

180 Days

Emblem Health

120 Days

GEHA

90 Days

Harvard Pilgrim Helath Care

90 Days

Humana

90 Days

Kaiser Permanente

30 Days

Magellan

60 Days

McLaren Health Plan

1 Year

Medical Mutual

1 Year

Meridian

1 Year

United Healthcare

90 Days

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