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Prompt Pay

Provider Administrative Policy

Claims Submission
Policy Date
April 2007
Reviewed/June 2014
Provider Type(s)
All Providers  


Our provider administrative policies contain information regarding claims submission, reimbursement, and other information in order to achieve an efficient relationship with our providers. These policies are not an authorization or explanation of benefits. Blue Cross of Idaho retains the right to add to, delete from and otherwise modify this policy in accordance with our provider contracts


Prompt Pay

Blue Cross of Idaho complies with the prompt pay bill enacted in 2004 by the state of Idaho (Title 41; Chapter 56), with the following guidelines:

1. Submission Requirements by Practitioner or Facility:

A. For paper claims submitted within 45 days of the date of service, Blue Cross of Idaho has 45 days to process and issue the result or interest will begin to accrue if the claim qualifies. The definition for “submission of claim” is the date the claim is sent as indicated by the mail stamp on the envelope.

B. For electronic claims submitted within 30 days of the date of service, we have 30 days to process and issue the result or interest will begin to accrue if the claim qualifies. The definition for “submission of claim” is the date an electronic claim is transmitted to Blue Cross of Idaho direct or from a clearinghouse.

2. Payment Requirements:

A. For hard copy check payments, the definition for “date of payment” is the date the payment is issued by Blue Cross of Idaho as indicated by the mail stamp on the envelope.

B. For electronic payment, the “date of payment” is the date we issue an order to the provider’s bank.

3. Certain exceptions are allowed under the law if one of the following applies:

A. Reasonable medical records requests are made.

B. Accident report(s) requests are required for the purpose of subrogation.

C. Blue Cross is required to coordinate benefits.

D. If the fee or premium for benefits has not been paid to Blue Cross of Idaho.

E. Claims involving suspected fraud.

F. If we cannot comply due to an act of God, bankruptcy, strike, labor dispute or act of terrorism.

4. Certain benefit plans are also excluded from the law. 

  • For example, the law does not apply to claims related to Medicare Advantage, Medicare supplement, the Federal Employee Program (FEP) or nonrenewable short-term coverage issued for a period of 12 months or less. In particular, this includes the following exceptions: policies or certificates of insurance for specific disease, hospital confinement indemnity, accident-only, credit, Medicare supplement, disability income insurance, student health benefits only coverage issued as a supplement to liability insurance, worker’s compensation or similar insurance, automobile medical payment insurance or nonrenewable short-term coverage issued for a period of twelve (12) months or less.

5. Interest rates change yearly and are paid at the statutory rate pursuant to section 28-22-104, Idaho Code:

A. Interest in based on the amount we paid on the claim.

B. Interest is not due on claims where no payment is made.

C. Interest payments are not required if less than $4.00 per claim.

D. Interest payments may be issued separately from claims payments.

E. Interest shall accrue from the date payment was due until the claim is paid. Date of payment is the date the payment is sent to the provider.

F. If the date of receipt and the date of payment cover two different interest rate periods, we will use the rate in effect on the date the claim was received.

The following explains how Blue Cross of Idaho will issue interest payments:


  • A quarterly report is run to identify claims that may require payment.
  • The report will include all claims that are eligible for interest due from the date received to the date paid as stated above.
  • Claims where no payment was paid will not be included (such as deductible, non-covered, etc.).
  • If the report identifies interest due, a check will be sent with a letter. The letter will be mailed by the end of the month following the quarter.
  • If a non-contracting provider submitted the claim resulting in payment to the member, any interest due will be paid to the member.
  • Any interest paid will be reported to the Internal Revenue Service.


Policy History

Date Action Reason
June 2014 Revised removed reference to Blue Cross of Idaho's clearing house.

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