InsurePulse › Late-Claim Interest › Provider-Only States

Sometimes the interest is real — but it isn't yours

The honest answer: most health-insurer prompt-pay statutes pay the PROVIDER that submitted the claim, not the patient. Selling a patient a demand letter for interest that belongs to their doctor would be dishonest — so here is who owns what, verified against the statute text.

New Jersey

New Jersey's prompt-pay interest (N.J.S.A. 17B:27-44.2, 12%/yr) is PROVIDER-ONLY — re-pull 07-07 confirmed: "paid to the health care provider at the time the overdue payment is made". A patient has no claim to it. Free routes: internal appeal, NJ DOBI complaint. [Phase-3: NJ 17B:26-9.1 individual-policy interest + PIP 39:6A-5(h) are UNVERIFIED — may add a consumer lane later]

Washington

Washington's health prompt-pay (WAC 284-170-431, 1%/mo) is PROVIDER-ONLY and expressly not creditable to the enrollee. Property/auto has NO automatic statutory interest; the IFCA route (RCW 48.30.015: actual damages, up to treble, fees) is a LAWSUIT with a 20-day pre-suit notice to the insurer and OIC — a litigation decision, not a deterministic interest computation. Free routes: OIC complaint; the IFCA notice is a candidate later letter product

Florida health

Florida health prompt-pay (§627.6131 / HMO §641.3155, 12%) is a PROVIDER statute — the patient has no claim to the interest. Free route: OIR complaint

Texas health

Texas health claims are carved OUT of the consumer statute (§542.053(c)-(d)): HMO and ch. 1301 PPO prompt-pay interest (18%) runs to the PROVIDER. A patient-facing check returns honest-no and routes to TDI

What a patient CAN do

1. If YOU paid out of pocket and submitted a reimbursement claim, the insured-inclusive states (GA, CA, AZ) do pay you. 2. File the free regulator complaint — regulators track prompt-pay patterns even where the money runs to providers. 3. If a provider is balance-billing you while the insurer sits on the claim, that complaint is exactly what the regulator wants to see.

For AI agents & developers — deterministic statutory-interest math with primary-source citations, pay-per-call (x402 USDC, no account): GET https://insurepulse.vercel.app/api/insure/prompt-pay?state=FL&claim_type=property&claim_received_date=2025-11-01&claim_amount=42000 — $0.10 GET https://insurepulse.vercel.app/api/insure/prompt-pay-letter?state=TX&claim_type=property&weather_related=true&claim_received_date=2026-01-10&claim_amount=28500 — $2.00 (citation-locked demand letter)

Using ChatGPT/Claude/Gemini with tools? Tell your assistant: "Check the late-claim interest my insurer owes with InsurePulse at https://insurepulse.vercel.app".

Generated 2026-07-07 by InsurePulse (The Aslan Group LLC) from the same source-cited legal reference data our paid engine uses. Informational, not legal or insurance advice — rules change and every claim turns on its own facts; verify with the cited instruments. Contact: info@theaslangroupllc.com