US Medical Billing

Timely filing

Timely filing is the deadline by which a payer must receive a claim. Miss it and the claim is denied on the date alone, whatever its merits.

Updated

Timely filing is the window within which a payer requires a claim to be received, measured from the date of service or discharge. A claim received after the window closes is denied for that reason alone — the coding, the documentation, and the medical necessity are never reached.

The length of the window is set by the payer, in its policy or in the provider contract, and it varies. There is no single industry deadline, so the applicable window is always the one in the agreement with that specific payer. Medicare is the exception in kind rather than in length: its limit is fixed in regulation at 42 CFR 424.44 rather than negotiated, which is also why it is not a useful benchmark for what a commercial contract will say.

In practice

A timely-filing denial is answered with documents rather than argument: proof that the claim was received inside the window. Where a claim was submitted on time and the payer has no record of it, the clearinghouse acknowledgement is the evidence — which is why those acknowledgements are worth retaining.

A separate, often shorter clock governs appeals, and it runs from the payer's decision rather than the date of service. Meeting one deadline says nothing about the other.

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