Noting that a collective $33 million in fines and restitutions paid by insurers nationwide hasn't stopped insurers from using every loophole they can find to delay or avoid payment, a recent Opinion article demonstrates the use of data collected in an AMA prompt pay survey to support claims under state prompt pay laws. The survey data is used to combat HMO tactics such as hiding behind the "clean claim" provision of the laws by saying that a claim is not filled out correctly or making partial payments on a claim. Prompt-payment laws in 47 states give insurers specific deadlines to reimburse physicians for submitted claims outside of defined limits. For the entire article, please go to www.ama-assn.org. For additional information concerning HMO litigation, please go to www.hmocrisis.com