Having worked in the Health Insurance field, both on the end of the Health Insurance Company and on the billing end. I have to disagree somewhat. It completely depends on what insurance carrier you have, what time of year it is (at the first of the year, when policies change, things tend to be slower b/c not all of the plans have been built and fully tested and given the green light yet). Also, it depends on what information is in your claim. Was it a PCP visit for the flu? Was it for a mastectomy due to (confirmed) breast cancer? Was it for a heart transplant? Were you having nonmalignant lesions removed? These all play a part in the processing as well. Even if a certification/authorization was obtained prior to surgeries, it is not uncommon for the Ins to want a copy of the operative report/notes, etc. And more times than not, these are sent out to be dictated, so then you have to calculate the amount of time it takes for that info to get to and from where it has to go, before it can even be sent to the insurance carrier. Also, was the claim a "clean" claim? Meaning there were no errors on the claim. Accurate DOB, Member ID, valid DX/CPT/HCPC codes, was it sent to the correct payer/insurance company? Were the Diagnosis codes allowable for the CPT/HCPC codes billed? If not, the chances are either A: the claim will deny or B: Ins Co will send out a letter advising you of the problem. Also, did you pryour doctor with a new insurance card? Or is the card they have on file old and therefore may have old Member ID's, Group #'s, Payor ID's? Another factor is I see frequently is have you been sent AND have you completed and returned an OIC form? If you have gotten one, but didn't complete it, then your claims will stop paying until you complete that and return it (this is something that happens on a daily basis sadly). Ins. Co's do not want to pay incorrectly, which results in more money lost may times. For instance, does your husband carry insurance on your entire family, but this year you started working and are receiving insurance via your employment? This is something insurance has to know to pay accurately and to determine which company is responsible for paying primary vs secondary vs tertiary. Having said all of that, assuming you went to the dr for a well visit, and you have not exceeded your yearly allowable on well visits (most plans pay for 1/yr) and you went to an In network doctor (b/c if they are out of network, and potentially a new practice, a W-9 might not be on file, which could either hold up the processing of the claim or the payment of the claim). And all information you have supplied to your dr is accurate, and its the not January 1 and you were only seen for a well visit, then it shouldn't take more than a week for it actually processes. Again, assuming the above is all in play. But, something else you have to consider is that just because you see the dr today, does not mean your claim will be submitted to them today. Also, once the insurance processes the claim, they don't send out EOB's on a daily basis (most don't at least, but there are some that do). Many do this once a week. So as you can see, while it seems like a very simple thing to do, in many cases, it's not that simple. SEVERAL situations play a part in how long it takes...like I didn't even get into the whole "system issue's" above...which can delay claims processing for very long periods of time, depending on the issue.