Reciprocal limitations on claim filing and claim audits – time limit for reimbursements or offsets – exceptions
(1) Except as provided in subsection (3), (4), or (5), if a health insurance issuer limits the time in which a health care provider or other person is required to submit a claim for payment, the health insurance issuer has the same time limit following payment of the claim to perform any review or audit to reconsider the validity of the claim and to request reimbursement or offset another claim payment for reimbursement of an invalid claim or overpayment of a claim.
(2) Except as provided in subsection (3), (4), or (5), if a health insurance issuer does not limit the time in which a health care provider or other person is required to submit a claim for payment, the health insurance issuer may not request reimbursement or offset another claim payment for reimbursement of an invalid claim or overpayment of a claim more than 12 months after the payment of an invalid or overpaid claim.
(3) Regardless of the period allowed by a health insurance issuer for submission of claims for payment, the health insurance issuer may perform a review or audit to reconsider the validity of a claim and may request reimbursement or offset another claim payment for reimbursement of an invalid or overpaid claim within 12 months from the date upon which the health insurance issuer received notice of a determination, adjustment, or agreement regarding the amount payable with respect to a claim by:
(a) medicare;
(b) a workers' compensation insurer;
(c) another health insurance issuer or group health plan;
(d) a liable or potentially liable third party; or
(e) a foreign health insurance issuer under an agreement among plans operating in different states when the agreement provides for payment by the Montana health insurance issuer as host plan to Montana providers for services provided to an individual under a plan issued outside of the state of Montana.
(4) (a) The time limitations on the health insurance issuer in subsections (1) and (2) do not commence running until the time specified in subsection (4)(b) if the health insurance issuer pays a claim in which the health insurance issuer:
(i) suspects the health care provider or claimant of insurance fraud related to the claim; and
(ii) has reported evidence of fraud related to the claim to the commissioner pursuant to 33-1-1205.
(b) The time limitation commences running on the date that the commissioner determines that insufficient evidence of fraud exists.
(5) The time limitations on the health insurance issuer in subsections (1) and (2) do not commence running until the health insurance issuer has actual knowledge of an invalid claim, claim overpayment, or other incorrect payment if the health insurance issuer has paid a claim incorrectly because of an error, misstatement, misrepresentation, omission, or concealment, other than insurance fraud, by the health care provider or other person. Regardless of the date upon which the health insurance issuer obtains actual knowledge of an invalid claim, claim overpayment, or other incorrect payment, this subsection does not permit the health insurance issuer to request reimbursement or to offset another claim payment for reimbursement of the claim more than 24 months after payment of the claim.
| EnactedEn. SectionSec. 1, ChapterCh. 290, Laws ofL. 2005 (HB 156 - Henry, Teresa (D) HD 96) |
| AmendedAmd. SectionSec. 20, ChapterCh. 8, Laws ofL. 2025 (HB 60 - Buttrey, Ed (R) HD 21) |