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One rule, 2 ways the exam asks it. Same knowledge point, different phrasing — work through all of them, because the exam rarely reuses the wording.

State RegulationsNC specificDifficulty 2/5

A hospital in Greensboro submits a health claim to an insurer. Under the prompt-pay statute, within how many calendar days after receiving the claim must the insurer pay it, deny it, or request additional information, and what interest applies to late payments?

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Answer & full 3-part explanation (select an option above, or peek)

Why A is correct

Under G.S. 58-3-225(b),(e), within 30 calendar days after receiving a health claim the insurer must pay it, deny it, or request needed information (a mailed or electronically transmitted claim is presumed received 5 business days later), and payments made late bear interest at 18% per annum.

Why the other options are wrong

  • B) 90 days is the information-loop figure under G.S. 58-3-225(c) for requested material, not the insurer's pay-deny-request deadline.
  • C) 60 days is when a status report is owed on unpaid, undenied provider claims under G.S. 58-3-225(g), and G.S. 58-3-225(e) does require interest on late payments.
  • D) 180 days is the claim filing window insurers may require under G.S. 58-3-225(f), not the insurer's response deadline.

Memory hook

Thirty days to pay, deny, or ask, then 18% starts ticking.

State RegulationsNC specificDifficulty 2/5

A North Carolina health insurer receives a clean claim and pays it 45 calendar days later, having neither denied the claim nor requested additional information. Because payment was late, what does G.S. 58-3-225 require the insurer to do?

Select an option to reveal the answer and the full 3-part explanation — free, no signup.

Answer & full 3-part explanation (select an option above, or peek)

Why A is correct

Under G.S. 58-3-225(b) and (e), an insurer must pay, deny, or request information on a health claim within 30 calendar days of receipt — a claim is presumed received 5 business days after mailing or electronic transmission. Payment made after that window bears interest at 18% per annum, so the insurer here owes interest for the period beyond 30 days.

Why the other options are wrong

  • B) The $100 to $1,000 civil penalty under G.S. 58-2-70 is a regulatory sanction the Commissioner may order for violations of Chapter 58 — it is not the automatic per-day consequence for late claim payment, which is 18% interest.
  • C) The 180-day filing window under G.S. 58-3-225(f) is untouched by the insurer's late payment; nothing in the prompt-pay statute extends it.
  • D) Late payment triggers statutory interest, not premium refund; no North Carolina statute requires rescission-by-refund for slow claims.

Memory hook

Miss the 30-day mark on a health claim? Pay 18% a year.

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