PROMPT PAYMENT OF CLAIMS – Amends and adds to existing law to revise and establish provisions regarding prompt payment of insurance claims.

This bill updates Idaho's insurance laws to establish clearer rules for how quickly health insurers must process and pay medical claims. It directly affects insurance companies, healthcare providers, and patients by setting specific time limits for claim decisions based on whether claims are submitted electronically or on paper. Under the new provisions, electronic claims must be paid or denied within 30 days, while paper claims have a 45-day deadline, with additional time allowed if insurers request more information. The legislation also adds protections against retaliatory conduct by insurers, requires transparency in claim processes, and creates new civil action options for beneficiaries who face delays or unfair treatment.