DE SB143

Requires health insurance carriers to permit providers a minimum of 180 days from the date a covered service is rendered to submit claims for reimbursement, regardless of network status.

Mandates carriers verify an insured's other medical coverage is effective before taking recovery action in coordination of benefits auditing, and requires reimbursement to providers within 30 days if improper recovery occurs.

Requires carriers to pay clean claims within 30 days of receipt and to issue written notice within 60 days when they receive payment from another carrier after recovering funds from a provider through coordination of benefits.

Establishes interest penalties on late claim payments at 1.5% monthly (days 31-60), 2% monthly (days 61-120), and 2.5% monthly (after day 120) for amounts unpaid more than 30 days after payment is due.

Permits providers 12 months from the date of a retroactive coordination of benefits denial to submit a claim to the carrier responsible for payment.