Prompt Payment of Health Benefits Claims Act of 2006
Read twice and referred to the Committee on Health, Education, Labor, and Pensions. (text of measure as introduced: CR S2912-2914)
Congressional Research Service
Official summary
Version 00 · Introduced in Senate · Apr 5, 2006
Prompt Payment of Health Benefits Claims Act of 2006 - Amends the Employee Retirement Income Security Act of 1974 (ERISA) and the Public Health Service Act to require group health plans and issuers of group health insurance to: (1) acknowledge receipt of claims within ten days; (2) notify claimants, within ten days, of any deficiency in submitted claims and of additional information necessary to correct the deficiency; (3) pay clean and uncontested claims and any uncontested portions of claims within 14 days if submitted electronically or within 30 days otherwise; and (4) pay escalating, monthly interest for failing to pay claims within such periods.
Provides that claims are deemed clean ten days after receipt if no notice of any deficiency is given to the claimant. Prohibits retaliation by the plan or issuer for claimants exercising rights under this Act. Requires the Secretary of Health and Human Services to impose fines for willful and knowing violations of this Act or patterns of repeated violations of this Act.
Amends the Public Health Service Act to apply the provisions of this Act to plans issued in the individual market.
Showing the opening paragraphs of the official summary.
Read full official summaryShow less
Amends the Social Security Act to apply these requirements to Medicare prescription drug plans, Medicare Advantage prescription drug plans, and Medicaid managed care plans.
Allows state laws that provide equal or more stringent requirements, standards, or implementation specifications than imposed under this Act.
No related bills are listed in this snapshot. This does not establish whether the proposal has appeared in earlier Congresses.
Source last updated: Aug 15, 2025. Consult Congress.gov for the current record.
AI Conversation Starters
Explore the bill from different angles
Choose a perspective, copy a prompt, and paste it into your preferred AI. Each prompt includes the bill version and available official source links, and asks for counterarguments as well as supporting evidence.
Neutral evidence review
Objective
Analyze S.2551 as objectively as possible. Explain its main provisions, who would be affected, possible benefits and harms, implementation, exceptions, and uncertainties. Present the strongest arguments for and against it, and identify evidence needed to assess its public impact.
View full prompt & sources
Fairness and public impact
Progressive lens
Examine S.2551 through a progressive lens, focusing on fairness, access, economic inequality, and effects on vulnerable communities. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and distinguish stated goals from demonstrated outcomes.
View full prompt & sources
Institutions and government scope
Conservative lens
Examine S.2551 through a conservative lens, focusing on fiscal responsibility, institutional stability, federalism, and the scope of government. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and any provisions that challenge this perspective.
View full prompt & sources
Individual rights and government power
Liberty lens
Examine S.2551 through a civil-liberties and limited-government lens. Consider individual rights, privacy, voluntary choice, accountability, and government power. Explain tradeoffs, possible safeguards, and the strongest counterarguments without assuming the proposal is beneficial or harmful.