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

Yes. Georgia's prompt-pay law (O.C.G.A. §33-24-59.5, the Insurance Delivery Enhancement Act) requires insurers to pay clean claims within a set window or owe interest, with an escalating penalty for continued delay.

The key rules

• Clean electronic claims are generally due within about 15 business days; paper claims within a longer window
• Late payment accrues interest (commonly cited around 12% per annum), with a higher penalty rate if the delay continues past a further period
• The payer must pay or properly deny within the window
• Applies to state-regulated commercial insurers

How to use it

• Use the electronic receipt date to measure the ~15-business-day window
• Calculate the base interest, then check whether the extended-delay higher rate applies to older late claims
• Cite O.C.G.A. §33-24-59.5 when raising it with the payer
• Escalate patterns to the Georgia Office of Insurance and Safety Fire Commissioner

Georgia has a tiered penalty that increases with continued delay; confirm the current rates and the business-day counts. 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.

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