# Minnesota prompt-pay law for dental claims > What is the Minnesota prompt-pay deadline for dental claims, and what interest applies to late payment? Read against the statute text (Minn. Stat. §62Q.75). URL: https://dentovio.com/dental-prompt-pay-laws/minnesota Last verified: 2026-08-30 Dentovio is an independent publisher, not a law firm, insurance department, or government agency. This page was drafted with AI assistance and read against the primary sources linked here, with a per-claim verification record — quote, statutory pinpoint, and the URL actually opened — behind every deadline, rate, and applicability verdict in all fifty-one jurisdictions. It has not been reviewed by a credentialed attorney or dental billing specialist. 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. ## Direct answer 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. ## 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 on late payment 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. ## 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. ## Sources (statute text) - [Minn. Stat. §62Q.75 — Office of the Revisor of Statutes](https://www.revisor.mn.gov/statutes/cite/62Q.75) - [Minn. Stat. §62Q.74 — health care provider definition naming dentists](https://www.revisor.mn.gov/statutes/cite/62Q.74) - [Laws 2025, ch. 38, art. 9, §1 — the 2025 amendment to subd. 3](https://www.revisor.mn.gov/laws/2025/0/38/laws.9.1.0) ## Related - [All state prompt-pay pages](https://dentovio.com/dental-prompt-pay-laws/index.html.md) - [Dental claim denial codes](https://dentovio.com/dental-claim-denial-codes/index.html.md) - [Payer documentation requirements](https://dentovio.com/dental-claim-documentation/index.html.md)