FastCounsel

Disclaimer: This article is for informational purposes only and does not constitute legal advice.

Detailed Answer

Under Montana law, workers’ compensation insurers must pay or deny medical bills within 30 days after receipt of a compliant invoice (MCA 39-71-705). To confirm whether payments were applied to your medical bills, follow these steps:

1. Request an Explanation of Review (EOR) or Explanation of Benefits (EOB)
   Insurers issue an EOR/EOB after processing a medical invoice. This document shows which services were paid, denied, or adjusted. Montana law requires insurers to provide a clear breakdown of amounts allowed, paid, and patient responsibility (MCA 39-71-613).
2. Contact your medical provider’s billing office
   Your provider can verify receipt of payment from the insurer. Ask for a billing statement that lists payments applied and any outstanding balances.
3. Review your own records
   Compare your medical bills, insurer EOR/EOBs, and bank statements to confirm the insurer’s payment dates and amounts.
4. Check online claim portals
   Many insurers offer secure online portals where you can view payment history and EOR/EOB documents in real time.
5. Contact the Montana Department of Labor & Industry (DLI)
   If you suspect non-payment or delays beyond 30 days, you may file a complaint with the DLI Workers’ Compensation Claims Services Division. DLI can investigate compliance with payment timelines (MCA 39-71-606).

Relevant Montana Statutes

• MCA 39-71-705: Payment of medical benefits
• MCA 39-71-613: Employer and insurer liability
• MCA 39-71-606: Time limits for medical claims

Helpful Hints

• Keep copies of all medical bills, EORs/EOBs, and correspondence with your insurer.
• Note the date you sent each invoice to the insurer and follow up in writing if you don’t receive an EOR/EOB in 30 days.
• Ask your provider to resubmit any corrected or missing invoices promptly.
• Use certified mail or email with read receipts when requesting payment details from the insurer.
• Consult a workers’ compensation attorney if you face persistent delays or disputes over payment amounts.