How Long Does Insurance Credentialing Really Take?
When healthcare providers start the insurance credentialing process, one of the first questions asked is: How long is this going to take? The answer isn’t always straightforward, but setting realistic expectations can make the process far less stressful.
The Typical Timeline
On average, insurance credentialing can take anywhere from 60 to 120 days. Some payers may move faster, while others require a longer review period. A few key factors influence these timelines:
Completeness of Your Application: Missing documents or unanswered questions will cause delays.
Insurance Company Workload: Some payers are processing hundreds of applications at once.
Background Checks & Verification: Licenses, education, work history, malpractice claims, and references must all be verified.
Contract Negotiations: Once credentialing is complete, contracting can add additional time.
Why Delays Happen
Even if you submit everything correctly, delays are common:
High Volume of Applications – Payers receive thousands of credentialing requests every month.
Follow-ups Required – Insurers may request additional information or clarification.
State Regulations – In some states, regulations extend timelines for primary source verification.
What Providers Should Do
Prepare Early: Don’t wait until the last minute to start credentialing. Begin the process at least 90–120 days before you need to start seeing patients.
Stay Organized: Keep licenses, CV, malpractice history, and references updated and ready to go. - Download and use our free provider information template to keep yourself organized.
Follow Up: Regularly check in with payers to ensure your application is moving forward.
Consider Professional Help: Credentialing experts can minimize errors and manage the process efficiently. We know what it takes to get the process moving smoothly, and we have more contacts than you could imagine.
Final Takeaway
Credentialing isn’t a quick process—it’s a detailed review that protects both patients and payers. By understanding the timeline and being proactive, providers can avoid surprises and ensure they’re ready to accept insurance reimbursements without unnecessary delays.
