# Nevada prompt-pay law for dental claims

> What is the Nevada prompt-pay deadline for dental claims, and what interest applies to late payment? Read against the statute text (Nev. Rev. Stat. §689B.255; §695G.340; §686A.310).

URL: https://dentovio.com/dental-prompt-pay-laws/nevada

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 Nev. Rev. Stat. §689B.255; §695G.340; §686A.310, the Nevada payment deadline is 21 days (submitted electronically) and 30 days (not submitted electronically). Current law requires the insurer to "pay interest on the claim at a rate of 10 percent per annum" (§689B.255(1) as amended by ch. 366, Stats. 2025 — AB 52 — effective January 1, 2026 and applying to claims submitted on or after that date). Dental applicability: Nevada's prompt-pay section keys on "a policy of group health insurance or blanket insurance," and chapter 689B applies only to group health and blanket accident and health contracts. 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: 21 days (submitted electronically)
- Paper claims: 30 days (not submitted electronically)

An insurer must approve or deny a claim relating to a policy of group health insurance or blanket insurance within 21 days of receipt if the claim was submitted electronically, or 30 days if it was not — and if the claim is approved, pay it within the same period (§689B.255(1)). The insurer may request additional information within 20 working days, which restarts the clock. Managed care organizations run on the same 21/30-day schedule and the same interest rate under §695G.340, added in 2025; the old HMO section, §695C.185, was repealed effective January 1, 2026 and should not be cited.

## Interest and penalties on late payment

Current law requires the insurer to "pay interest on the claim at a rate of 10 percent per annum" (§689B.255(1) as amended by ch. 366, Stats. 2025 — AB 52 — effective January 1, 2026 and applying to claims submitted on or after that date). AB 52 rewrote Nevada's whole prompt-pay family in parallel, so third-party administrators, individual policies, group policies, and managed care organizations all now run 21/30 days at 10 percent. Courts must award costs and attorney's fees to the prevailing party (§689B.255(5)), the Commissioner's substantial-compliance benchmark is 95 percent of approved claims and 90 percent of dollars paid on time, and fines and licence action back it up.

## Does it apply to dental? Dental scope unsettled

Nevada's prompt-pay section keys on "a policy of group health insurance or blanket insurance," and chapter 689B applies only to group health and blanket accident and health contracts. Nothing in the chapter expressly includes or excludes a stand-alone dental plan at the §689B.255 level; the limited-scope dental exclusion appears only inside the separate HIPAA-portability definition at §689B.390(3). The code plainly treats stand-alone dental as its own category elsewhere — §686A.313 regulates coordination of a "stand-alone dental benefit" — which is a reason to ask, not an answer. Dental benefits inside a group health policy are the clearer case.

## 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

- Prompt-pay failures are per-se unfair practices under §686A.310(1) — Nevada's list has no "general business practice" threshold — and §686A.310(2) makes the insurer liable to its insured for damages resulting from any listed act.
- Managed care organizations are covered by §695G.340 (21/30 days, 10% per annum); §695C.185 was repealed effective January 1, 2026.
- Denial notices must go to insureds and providers within the same 21/30-day windows with reasons, criteria, and the appeal summary required by §687B.820.
- Insurers owe the Commissioner an annual compliance report each February 1 (§689B.255(9), added 2025).

## Sources (statute text)

- [Nev. Rev. Stat. ch. 689B — group and blanket health insurance (§689B.255)](https://www.leg.state.nv.us/nrs/nrs-689b.html)
- [Nev. Rev. Stat. ch. 695G — managed care (§695G.340)](https://www.leg.state.nv.us/nrs/nrs-695g.html)
- [Nev. Rev. Stat. ch. 686A — unfair practices in settling claims (§686A.310)](https://www.leg.state.nv.us/nrs/nrs-686a.html)
- [Stats. Nev. 2025, ch. 366 (AB 52) — the amendment setting 10% from January 1, 2026](https://www.leg.state.nv.us/Statutes/83rd2025/Stats202519.html)

## 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)