New York prompt pay law dental

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Under N.Y. Ins. Law §3224-a, the New York payment deadline is 30 days (internet or electronic mail) and 45 days (paper, facsimile, or other means). Late payment carries interest "of the greater of the rate equal to the rate set by the commissioner of taxation and finance for corporate taxes pursuant to paragraph one of subsection (e) of section one thousand ninety-six of the tax law or twelve percent per annum, to be computed from the date the claim or health care payment was required to be made" (§3224-a(c)(1)). Dental applicability: Section 3224-a applies to "all health care claims submitted under contracts or agreements" and to "all bills for health care services rendered by health care providers pursuant to such contracts or agreements," and it binds an insurer or an organization or corporation licensed or certified under Insurance Law article 43 or 47 or Public Health Law article 44. A self-funded private-employer (ERISA) plan is generally beyond this statute's reach and runs on the federal claims-procedure clock instead — but that comes from the courts reading 29 U.S.C. § 1144, not from its text, and it is not categorical: a self-funded governmental or church plan is not an ERISA plan at all, § 1144(b)(6) leaves multiple employer welfare arrangements open to state insurance law, and nothing in § 1144 bars a state from reaching the third-party administrator or the network contract.