Florida prompt pay law: deadlines, interest, and how to use it

Yes. Florida's prompt-pay law (Fla. Stat. §627.6131 for insurers and §641.3155 for HMOs) requires payers to acknowledge, then pay or contest clean claims within set windows, and to pay interest on claims paid late.

The key rules

• Electronic clean claims are generally due within about 20 days, with a longer window for paper claims
• Late payment carries statutory interest, commonly cited around 12% per annum, that accrues from the due date
• The payer must also acknowledge electronic claims within a short window, which starts the clock
• Applies to state-regulated commercial insurers and HMOs

How to use it

• Use the electronic acknowledgment and receipt dates to fix when the payment clock started
• For claims paid past the window, calculate interest from the statutory due date and request it in writing
• Cite the specific statute (§627.6131 or §641.3155) depending on whether it's an insurer or an HMO
• Escalate repeated late payment to the Florida Office of Insurance Regulation / Department of Financial Services

Florida's exact day-counts and interest rate should be confirmed against the current statute; the ~20-day electronic window and ~12% figure are the well-established shape. Prompt-pay rules reach state-regulated (fully insured) commercial plans, not ERISA self-funded employer plans, which are a large share of commercial volume. Medicare and Medicaid pay under their own separate prompt-payment rules. Confirm the current payment window, interest rate, and penalty against the statute or your state insurance department before citing a figure in an appeal, since rates are reset by legislation and by annual DOI rate-setting.

See the revenue Florida payers owe you.

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