What is the Minnesota prompt-pay deadline for dental claims, and what interest applies to late payment?

Under Minn. Stat. §62Q.75, the Minnesota payment deadline is 30 calendar days (no format split). Interest runs at 1.5 percent per month or any part of a month for the period beginning the day after the required payment date (subd. 2(c)–(d)). Dental applicability: Covered, with dentists named. 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.

Dental expressly covered · Last verified 2026-08-30

Minnesota prompt-pay law for dental claims

Minnesota's prompt-pay law covers dental claims. Clean claims must be paid or denied within 30 calendar days; late payment accrues statutory interest.

Minn. Stat. §62Q.75

Read the statute text

Payment deadlines

Electronic claims: 30 calendar days (no format split)
Paper claims: 30 calendar days (no format split)

All health plan companies and third-party administrators must pay or deny clean claims within 30 calendar days after the date they received the claim (subd. 2(a)). Providers get six months from the date of service — or from learning the correct name and address of the responsible payer — to submit charges, extendable to 12 months for a significant disruption to normal operations, and since 2025 an additional six months whenever the payer makes an adjustment or recoupment. Those filing windows are defaults: they yield to contract, to §16A.124 subd. 4a, or to federal law. Miss the window and the provider may not be reimbursed and may not collect from the patient either.

Interest and penalties

Interest runs at 1.5 percent per month or any part of a month for the period beginning the day after the required payment date (subd. 2(c)–(d)). The payer must itemize any interest payment separately, may not require the provider to bill for it, and must make interest payments no less frequently than quarterly. Subdivision 2(e) removes interest where payment was delayed to review potentially fraudulent or abusive billing practices, and the administrative penalty bar is high: it takes "a pattern of abuse that demonstrates a lack of good faith effort and a systematic failure" to comply.

Does it apply to dental? Dental expressly covered

Covered, with dentists named. The prompt-payment duty runs to claims for services provided by a "health care provider, as defined in section 62Q.74," and that definition lists "a physician, advanced practice registered nurse, physician assistant, chiropractor, dentist, podiatrist, hospital, ambulatory surgical center, freestanding emergency room, or other provider." Pharmacy providers licensed under chapter 151 are the one carve-out. The statute says nothing about network status.

Self-funded (ERISA) plans: 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.

Estimate the late-payment interest

Uses the verified Minnesota rule (Minn. Stat. §62Q.75). Estimate only — the statute's own accrual triggers control.

Claim amount (allowed)Interest statutes run on the payable claim amount, not billed charges.Days past the deadlineDays after the statutory deadline for this claim (30 calendar days (no format split)), not days since submission.

Estimated interest

$19.13

1.5%/mo (monthly tiers, prorated by days)

1.5% per month or any part of a month, itemized separately and paid at least quarterly, and the payer may not require the dentist to bill for it. No interest is owed on a claim delayed to review potentially fraudulent or abusive billing.

How we calculate this

Formula: claim × monthly tier rate × days in tier ÷ 30, summed across tiers, using simple (not compounded) interest as the statute states it. The rate and deadline come from Minn. Stat. §62Q.75, read against the statute text linked in the sources on this page (last verified 2026-08-30). Accrual start dates, clean-claim status, safe harbors, and plan funding all affect the real figure — treat this as an estimate for the payer conversation, not a demandable amount.

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Also in the statute

Contracts must provide a 12-month deadline on adjustments and recoupments, with exceptions for coordination of benefits, subrogation, duplicate claims, retroactive terminations, and fraud or abuse (subd. 4).
The 2025 amendment (Laws 2025, ch. 38, art. 9, §1) extended the provider's submission window by six months after any payer adjustment or recoupment — it did not change the 12-month recoupment cap.
Enforcement splits: the Department of Commerce regulates insurers, most carriers, and third-party administrators; the Department of Health regulates HMOs and community integrated service networks.

Payment deadlines

Interest and penalties

Does it apply to dental? Dental expressly covered

Estimate the late-payment interest

Also in the statute

Sources (statute text)