Reference library. Maintained by hand.

Every timely filing limit. One reference.

Filing deadlines and appeal windows for 118 commercial and government payers. 11 entries are free for everyone, including the 10 largest national payers and a generic BCBS baseline. The remaining 107 are included with any ROI Automation Suite license.

Aetna BCBS Cigna Humana Medicare Medicaid Tricare UnitedHealthcare

Last updated September 1, 2026. Reviewed and revised whenever a payer publishes a change.

Showing 118 payers
Payer Timely Filing Limit Days Appeal Window Source
AARP15 Months from Date of Service450120 days from payment for disputesView policy
Aetna120 Days from DOS120180 calendar days from initial claim decision for reconsiderations/disputesView policy
BCBS (generic baseline)Commonly 180 days from DOS, varies by Blue Plan and product line. See specific plan rows below.180Typically 90-180 days; varies by planView example policy (BCBSIL)
Cigna90 Days for Participating Providers/180 Days for Non-par Providers90180 calendar days from initial payment/denial noticeView policy
Humana180 Days for Physicians or 90 Days for facilities or ancillary providers180Provider claims disputes: 18 months from date of original claim determinationView policy
Medicaid90 days from DOS90Varies by stateView policy
Medicare (Part A/B)1Y or 365 Days from DOS365120 days from receipt of initial determinationView policy
Tricare12 Months from DOS36090 days from date of remittance adviceView policy
UnitedHealthcare Commercial90 days from DOS90Reconsideration within 60 days from remittanceView policy
Wellcare180 Days from DOS18090 calendar days from EOP/claim denial/review decisionView policy
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BCBS FEP (Federal Employee Program)365 days from DOS for non-PPO claims; PPO providers follow plan contract365Member: 1 year from claim payment denial; Provider: per local Plan timely filingView policy
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Unlock all 118 payers

Reach out to us about licensing one or more of our ROI Automation Suite to get exclusive access to the full timely filing reference. Sortable, searchable filing deadlines, day counts and post-denial appeal windows for 107 additional payers, included with every active license.

How this reference is built

Every entry traces back to a published payer policy. We capture the timely filing limit, appeal window, and direct link to the source document. Where a payer publishes different windows for participating versus non-participating providers or for facility versus professional claims, both are noted.

Auto-enrichment

A weekly cron job re-checks each policy URL for changes. When a payer updates their timely filing rule or appeal window, the table is updated and any practice with an active Automation Suite license sees the new at-risk math on their next dashboard refresh.

What "Conservative" means in our modules

For payer rollups (BCBS, UHC, Aetna, Humana, Cigna, Medicare, Medicaid, Tricare, Managed Care, Workers Comp, Other), modules that consume this reference (such as A/R Command Engine) use two modes:

  • Conservative: Uses the tightest (shortest) timely filing limit across all matched payers in that rollup. Recommended for at-risk flagging.
  • Average: Uses the mean timely filing days across matched payers. Useful for forecasting.

Why some payers show different limits than you may have seen

Filing limits change. Plans are sold and renamed. State-specific Medicaid managed care can have different rules than the parent payer. We always link back to the source so you can verify against the version of the policy that matters for your contract.

Disclaimer: This reference is informational. Always verify timely filing limits against the contract or policy document for the specific payer plan and provider participation status. State-specific Medicaid and Workers Comp programs can have rules that override the published payer guidance.