How long may a medical provider take to submit a bill to your insurance company in NY?

Providers who are contracted with your insurance (aka participating or "in-network") have to follow the timely filing guidelines of the state they are licensed and provide services, which is typically 180 days from the date of service. I believe 180 days has been the case since 2002. However, you may be interested to know that if your insurance is through your employer and they are considered a national company the chances are your policy gives providers 12 months to file their claim. The good news for the insured is the state guidelines have precedence over a national policy, consequently, the provider has to get the claim in by 180 days, not 12 months. Be careful though, there are exceptions, therefore the best advice, as was written earlier, is to call the customer service office that handles your insurance.