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Dentovio public answer
District of Columbia's prompt-pay chapter (D.C. Code §31-3132; §31-3131; §31-3138) does not reach standalone dental insurance at all — Standalone dental is expressly excluded — though not for the reason it first appears. D.C. Code §31-3131(4) removes "dental only or vision only insurance" from the definition of health benefit plan. It is not the insurer definition that excludes a dental carrier: §31-3131(5) defines "health insurer" broadly — any person that provides health benefit plans OR INSURANCE in the District — so a dental-only carrier plausibly is a health insurer. The exclusion comes from the object of the duty and from applicability: §31-3132(a) obliges reimbursement only "under the health benefits plan," and §31-3138(a) applies the chapter only to individual and group health benefits plans issued or renewed in the District. Dental benefits embedded in a comprehensive medical plan or HMO contract do get the chapter's protections, because that plan is a health benefits plan. What this record establishes is that Chapter 31A does not reach stand-alone dental — not that no District authority does; no exhaustive search of the rest of the D.C. Code or DCMR Title 26-A was performed. Where the chapter does apply (dental inside a comprehensive medical plan), the deadline is 30 days (uniform). A self-funded private-employer (ERISA) dental plan is generally beyond a state prompt-pay statute's reach: 29 U.S.C. § 1144(b)(2)(B) bars a state from deeming such a plan an insurer, and the courts have read that to keep state insurance regulation off it. The statute itself never uses the words self-funded or prompt pay, and the rule is not categorical — a self-funded governmental or church plan is not an ERISA plan at all, so state law can reach it; § 1144(b)(6) leaves multiple employer welfare arrangements open to state insurance law; and nothing in § 1144 addresses state enforcement against the third-party administrator or the network contract. Where the plan is a self-funded ERISA group health plan, the federal claims-procedure deadlines apply instead: a post-service benefit determination within 30 days (one 15-day extension), at least 180 days to appeal, and an appeal decision within 60 days (or two 30-day levels), under 29 CFR 2560.503-1.
Dentovio is an independent publisher, not a law firm, insurance department, or government agency. These pages summarize state prompt-pay statutes as read against the official sources on the date shown, focusing on how each statute treats dental claims. Statutes change and their application turns on plan type, contract status, and claim facts. Educational reference only — not legal advice; confirm current law with the state insurance department or a licensed attorney before acting on a specific claim.
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