Insurance Payer Insights
How long payers take to pay providers.
Verified payment floors, timely filing limits, and an honest read on commercial timing for the major insurers, with sources. Plus how Copay pays you the next business day regardless of payer speed.
| Payer | Medicare Advantage floor | Timely filing | Commercial timing |
|---|---|---|---|
| UnitedHealthcare | 30 days (95% clean claims) | 90d par · 180d non-par · 365d MA | Contract + state law (ERISA 30d) |
| Aetna | 30 days (95% clean claims) | ~90d in-network · 12mo OON (secondary) | Contract + state law; ~14-30d (industry) |
| Anthem (Elevance) | 30 days (95% clean claims) | 90d par · ~15mo non-par | Contract + state law (CA 45 working days) |
| Cigna | 30 days (95% clean claims) | 90d in-network · 180d OON | Contract + state law |
| Humana | 30 days (95% clean claims) | 1yr Medicare/MA · commercial per contract | State prompt-pay law ($5 paper fee) |
| Blue Cross Blue Shield | 30 days (95% clean claims) | 90-365d (varies by licensee) | State law (TX 30/45, FL 20/40 notice) |
| Centene (Ambetter) | 30 days (95% clean claims) | Ambetter 180d (TN/NY 90d) · Medicaid per state | State Medicaid contracts; Medicaid 90%/30d, 99%/90d |
| Molina | 30 days (95% clean claims) | 180-365d (varies by state) | State Medicaid contracts; Medicaid 90%/30d, 99%/90d |
Medicare Advantage floor: 42 CFR §422.520 (95% of clean claims within 30 days). Commercial timing varies by state prompt-pay law and contract. See each payer page for sources.
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