UHC, Cigna etc... have timely filing limitations for par and non-par providers respectively (HMO policy - Participating providers have 3 months and non-par have 1 year to file from DOS). Steve once advised me not to go by their timely filing limitation as there is no contract in the first place and therefore we may go ahead and bill the member in such cases. As non-par providers you hold no obligation to even bill the insurance company and accept assignment of benefits from the patient. Feel free to bill the member.