What is the standard requirement for timely filing of medical expense claims?

• A. Claims must be submitted within a policy-specified period after service (e.g., 90 days to 1 year); late filings may be denied.
• B. Claims must be submitted within 7 days of service.
• C. Claims can be submitted at any time with no deadline.
• D. The insurer determines filing deadlines for each claim.

Answer: (A)

Timely filing means submitting medical expense claims within the period your policy allows after the date of service. The standard is defined by the policy and is usually a window like 90 days to 1 year, though it can vary by plan. If you miss that deadline, the claim can be denied or not paid. This requirement helps ensure claims are processed promptly and benefits are coordinated properly. Shorter windows like seven days aren’t typical, and claims aren’t accepted indefinitely with no deadline. The deadline isn’t set per claim by the insurer; it’s a fixed period stated in the policy.