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 |