50-State Prompt-Payment Statute & Interest Penalty Matrix
When payers delay clean claims beyond statutory deadlines, they owe non-waivable daily interest penalties up to 18% per year. Search clean-claim mandates across all 50 states and compute mandatory late interest due to your practice.
50-State Prompt-Payment Statute & Statutory Penalty Matrix
State prompt-pay statutes legally protect healthcare providers from payer cash-flow starvation. Look up statutory electronic claim payment deadlines (15–30 days), compute accrued annual interest penalties (12%–18%), and generate formal demand letters.
State Clean-Claim Laws (16 Key States)
Select a state to inspect prompt-pay mandates and interest penalties.
Texas Prompt-Pay Law
Steepest penalties in the US: 18% statutory penalty plus 50%–100% of difference between billed charges and contracted rate if overdue past 90 days.
Statutory Interest Penalty Calculator (Texas)
Calculate interest accrued on claims held past 30 electronic calendar days.
FORMAL DEMAND FOR IMMEDIATE PROMPT PAYMENT & STATUTORY INTEREST PENALTY Date: 9/8/2026 To: Claims Appeals & Prompt Payment Division (UnitedHealthcare / Commercial PPO) Re: Unlawful Claim Payment Delay on Electronic Clean Claim Dear Claims Administrator, This letter serves as a formal statutory notice of violation under Tex. Ins. Code § 1301.103 & § 843.338 (Texas Prompt Pay Act). CLAIM SPECIFICATIONS: - Claim Principal Allowable: $3,200 - Electronic Clean Claim Statutory Window: 30 Calendar Days - Total Days Elapsed Since Electronic Submission: 75 Days - Days Delinquent Past Statutory Mandate: 45 Days - Statutory Interest Rate: 18% Per Annum - Accrued Statutory Interest Penalty Due: $71 - TOTAL MANDATORY DISBURSEMENT DEMANDED: $3,271 STATUTORY CITATION: Pursuant to Tex. Ins. Code § 1301.103 & § 843.338 (Texas Prompt Pay Act), clean claims not adjudicated within 30 days incur non-waivable statutory interest computed daily. Please remit the full total of $3,271 within 15 business days. Failure to remit will result in an immediate formal regulatory complaint lodged with the State Department of Insurance (https://www.tdi.texas.gov).
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