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

Yes. Ohio's prompt-pay law (R.C. §3901.381 and related sections) requires third-party payers to process clean claims within a set window or pay interest, and Ohio's statutory interest rate is notably high.

The key rules

• Clean claims are generally due within about 30 days of receipt
• Late payment accrues statutory interest, commonly cited around 18% per annum, which makes late Ohio claims worth pursuing
• The payer must pay, deny, or properly pend the claim within the window
• Applies to state-regulated commercial payers

How to use it

• Fix the receipt date and measure the ~30-day window
• Because the interest rate is high, calculate interest carefully on late clean claims and request it in writing
• Cite R.C. §3901.381 et seq. when raising it with the payer
• Escalate unresolved late payment to the Ohio Department of Insurance

Ohio's interest rate is comparatively high; confirm the current rate and day-count before quoting it. 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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