# The Practice Owner's Guide

> The reference for physicians, dentists, and clinician-owners. From first entity to final exit.

- [The Practice Owner's Guide](https://www.practiceownersguide.com/index.md): The reference for physicians, dentists, and clinician-owners. From first entity to final exit: forming the entity, borrowing, credentialing, getting paid, and deciding whether to scale or sell.
- [Launch your practice in 4 months](https://www.practiceownersguide.com/start-here/launch-in-4-months.md): The compressed launch plan: what to run in parallel, what to start on day one, and how to open the doors before credentialing catches up.
- [Launching your practice 101](https://www.practiceownersguide.com/start-here/01-launching-your-practice-101.md): The map for opening a practice, in the right order. The expensive mistakes come from doing steps out of sequence.
- [How your practice gets paid](https://www.practiceownersguide.com/start-here/02-how-your-practice-gets-paid.md): The machine most of your revenue arrives through (claim, adjudication, remittance, money, and reconciliation), and where the leaks are.
- [Setting up your practice's banking](https://www.practiceownersguide.com/start-here/03-setting-up-your-banking.md): The account structure that determines whether your books are easy or miserable, and the decisions with a long tail, from payer deposits to deposit insurance.
- [Practice model: insurance-based](https://www.practiceownersguide.com/concepts/practice-models-insurance.md): The default practice model, in-network with payers. What the revenue machine looks like and where the operational weight sits.
- [Practice model: cash-pay only](https://www.practiceownersguide.com/concepts/practice-models-cash-pay.md): What running a cash-pay / direct-pay practice actually changes, pricing, compliance, Medicare opt-out, and the payment stack.
- [Practice model: telehealth](https://www.practiceownersguide.com/concepts/practice-models-telehealth.md): Virtual-first practices, multi-state licensure, where the 'visit' legally happens, telehealth billing, and platform choices.
- [Practice model: hybrid and membership](https://www.practiceownersguide.com/concepts/practice-models-hybrid.md): Mixing insurance, cash-pay, and membership revenue in one practice, what works, and the compliance seams between the models.
- [Choose your legal entity](https://www.practiceownersguide.com/guides/choose-your-entity.md): A correctly formed professional entity, tax election made, identifiers issued, with no re-dos, because re-forming means re-credentialing.
- [PC vs. PLLC, and the S-corp election](https://www.practiceownersguide.com/guides/entity-tax-basics.md): The entity decision in two layers: what state law makes you form, and how you elect to be taxed.
- [The PC and corporate practice of medicine](https://www.practiceownersguide.com/concepts/cpom-and-the-pc.md): The short version of a doctrine with its own wiki: why most states require your practice entity to be a licensee-owned PC or PLLC, and when the MSO question arrives.
- [Owning a practice when you're not a physician](https://www.practiceownersguide.com/guides/own-a-practice-without-a-license.md): In most states only licensed clinicians can own a medical practice. The MSO/PC ('friendly physician') structure is how non-physicians legally build, manage, and profit from practices anyway, here's how it works and where the legal lines are.
- [Ownership paperwork](https://www.practiceownersguide.com/guides/ownership-agreements.md): Operating and shareholder agreements, and the buy-sell terms to settle before you have a partner problem.
- [Licenses and permits](https://www.practiceownersguide.com/guides/licenses-and-permits.md): Every license a new practice typically needs, who it attaches to (the clinician, the entity, or the site), and the order to get them.
- [Malpractice and business insurance](https://www.practiceownersguide.com/guides/malpractice-and-insurance.md): Claims-made vs. occurrence, tail coverage, and the other policies a practice actually needs.
- [Hiring: W-2 vs. 1099](https://www.practiceownersguide.com/guides/hiring-w2-vs-1099.md): Classifying clinicians and staff correctly, because misclassification is the most expensive shortcut in practice ownership.
- [Startup cost calculator](https://www.practiceownersguide.com/reference/startup-cost-calculator.md): Estimate your total startup cost, working capital, and loan size for opening a practice, live and interactive.
- [Startup cost worksheet](https://www.practiceownersguide.com/reference/startup-costs.md): A structure for the launch budget, deliberately a worksheet, not a table of average costs, because variance between specialties swamps any average.
- [Get a practice loan](https://www.practiceownersguide.com/guides/get-a-practice-loan.md): The right debt, sized to include working capital, from a lender who knows practices, and why you should always get multiple term sheets.
- [Practice loan options](https://www.practiceownersguide.com/guides/practice-loan-options.md): SBA 7(a) vs. bank practice lending vs. equipment financing: rates, speed, and what underwriters actually look for.
- [Buy a practice](https://www.practiceownersguide.com/guides/buy-a-practice.md): A close where the clinical handoff, the legal transfer, and the money plumbing land on the same date. Deals usually break on the third one.
- [Buying: valuation, LOI, and due diligence](https://www.practiceownersguide.com/guides/buy-a-practice-deal-mechanics.md): The deal mechanics of a practice acquisition: what it's worth, what the LOI locks, and the diligence checklist.
- [Negotiate your lease](https://www.practiceownersguide.com/guides/negotiate-your-lease.md): The lease terms that matter for a practice: TI allowance, exclusivity, assignment, and the exit clauses that decide your sale price later.
- [Choose your EHR and practice management system](https://www.practiceownersguide.com/guides/choose-your-ehr.md): A system you can live with for a decade, judged on the dimension vendors don't demo: how cleanly it moves money.
- [Choose and set up your clearinghouse](https://www.practiceownersguide.com/guides/choose-your-clearinghouse.md): The pipe between your EHR and every payer: how to choose one, and the enrollment work that makes claims and ERAs flow.
- [Front desk stack](https://www.practiceownersguide.com/guides/front-desk-stack.md): Phones, scheduling, reminders, intake, and payments: the software the front desk lives in, and how to keep it HIPAA-safe.
- [How to structure your bank accounts](https://www.practiceownersguide.com/concepts/practice-banking-structure.md): The Start Here banking page covers the single-practice minimum. This page covers what changes as you grow, from separation by purpose to separation by law.
- [Payroll, benefits, and retirement](https://www.practiceownersguide.com/guides/payroll-benefits-retirement.md): Standing up payroll correctly, the benefits that matter for hiring, and the retirement plan decision with its year-end deadlines.
- [Your HIPAA program in one week](https://www.practiceownersguide.com/guides/hipaa-in-one-week.md): Minimum viable HIPAA for a new practice: BAAs, a real risk assessment, policies, training, and breach readiness.
- [Get credentialed: NPI, CAQH, PECOS, payer contracting](https://www.practiceownersguide.com/guides/get-credentialed.md): Enrolled and contracted with every payer you'll bill, before you need the revenue. The longest lead time in your launch, so start the day you have an entity and identifiers.
- [CAQH from zero](https://www.practiceownersguide.com/guides/caqh-setup.md): Set up the CAQH ProView profile that almost every commercial payer pulls from, and avoid the errors that add 30 days per application.
- [Medicare enrollment via PECOS](https://www.practiceownersguide.com/guides/medicare-pecos-enrollment.md): Enroll the practice and its providers in Medicare: I&A account, the 855 applications, EFT via CMS-588, and revalidation.
- [Medicaid enrollment](https://www.practiceownersguide.com/guides/medicaid-enrollment.md): Enroll in Medicaid and its managed-care plans: one application per state, plus separate MCO credentialing.
- [Payer contracting and fee schedules](https://www.practiceownersguide.com/guides/payer-contracting.md): Getting the contract itself: choosing your panel, reading the fee schedule, what's negotiable, and the clauses that bite later.
- [Set up your payers](https://www.practiceownersguide.com/guides/set-up-payers.md): The end-to-end playbook for getting every insurance payer paying you electronically: contracting, portal registration, EFT/ERA enrollment, and bank changes.
- [Enroll in EFT and ERA](https://www.practiceownersguide.com/guides/enroll-eft-era.md): Every meaningful payer paying by ACH into the right account, sending 835s your systems ingest, with virtual card fees declined.
- [Switch banks without missing a payer deposit](https://www.practiceownersguide.com/guides/switch-banks.md): Move your banking with zero misdirected payer payments and zero payroll surprises: a re-enrollment project with a banking step attached.
- [Choose your POS system](https://www.practiceownersguide.com/guides/choose-your-pos.md): Picking the payment system for patient payments, Square, Stripe, Worldpay, and healthcare-specific processors, plus the healthcare-specific setup: MCC codes, HSA/FSA cards, card-on-file, memberships, and surcharging.
- [Patient responsibility](https://www.practiceownersguide.com/guides/patient-responsibility.md): Collecting the patient's share: eligibility checks, estimates, No Surprises Act good-faith estimates, and collections that don't destroy goodwill.
- [Patient financing](https://www.practiceownersguide.com/guides/patient-financing.md): Third-party financing for big cases: CareCredit, Cherry, Sunbit, and how the merchant fees and risk actually work.
- [The claim lifecycle](https://www.practiceownersguide.com/concepts/claim-lifecycle.md): One claim, from exam room to reconciled cash: charge capture, the 837, adjudication, remittance and payment, posting, patient balances, and reconciliation.
- [Credentialing vs. contracting](https://www.practiceownersguide.com/concepts/credentialing-vs-contracting.md): Two different processes people constantly conflate: one verifies you, the other pays you.
- [In-network vs. out-of-network economics](https://www.practiceownersguide.com/concepts/network-economics.md): What each status actually pays, and how to think about the trade.
- [Clearinghouses explained](https://www.practiceownersguide.com/concepts/clearinghouses-explained.md): The middleman between your EHR and every payer: what it does with claims, remittances, and eligibility.
- [What is an 835?](https://www.practiceownersguide.com/concepts/what-is-an-835.md): The X12 835 (the ERA) is the file a payer sends to explain a payment: claim by claim and line by line, what was paid, reduced, or denied, and why.
- [ERA vs. EOB](https://www.practiceownersguide.com/concepts/era-vs-eob.md): Two documents describe the same adjudication: the machine-readable ERA (the 835) and the human-readable EOB. Which one you get, per payer, depends on what you enrolled for.
- [CARC and RARC: denial codes](https://www.practiceownersguide.com/concepts/carc-rarc-denial-codes.md): Every dollar a payer doesn't pay arrives with a coded explanation. Reading the codes turns 'insurance shorted us again' into a specific, fixable problem.
- [EFT reassociation](https://www.practiceownersguide.com/concepts/eft-reassociation.md): The money and the explanation travel separately: the ACH deposit through the banking system, the 835 through your clearinghouse. Reassociation proves this deposit is that remittance.
- [Work your denials](https://www.practiceownersguide.com/guides/work-your-denials.md): A denial workflow that runs weekly: triage by CARC code, fix and resubmit, appeal what's worth appealing, and kill root causes.
- [Lockboxes and the paper problem](https://www.practiceownersguide.com/concepts/lockboxes.md): However hard you push EFT/ERA enrollment, a tail of paper remains. A lockbox is the one controlled intake point that turns paper into reconciled, postable data.
- [What "reconciled" means](https://www.practiceownersguide.com/concepts/reconciliation.md): "Reconciled" gets used loosely enough to hide the gap where money disappears. There are three different tie-outs. Only one catches missing money.
- [Month-end close for a practice](https://www.practiceownersguide.com/guides/month-end-close.md): The monthly ritual that keeps the books real: reconcile deposits to remittances, post everything, and hand clean numbers to the KPI sheet.
- [Send patient refunds](https://www.practiceownersguide.com/guides/send-patient-refunds.md): Refunds out promptly, documented, by a method the patient can use. No sitting on credits.
- [The numbers that matter](https://www.practiceownersguide.com/guides/practice-kpis.md): The one-page KPI sheet for a practice: production, collections, AR aging, denial rate, and the operational vitals.
- [Bookkeeping and the tax calendar](https://www.practiceownersguide.com/guides/bookkeeping-and-tax-calendar.md): What your CPA needs monthly, the chart-of-accounts basics, and the tax dates that cost money when missed.
- [The compliance calendar](https://www.practiceownersguide.com/guides/compliance-calendar.md): Everything that recurs: license renewals, attestations, trainings, and inspections, on one calendar someone owns.
- [Associate comp models](https://www.practiceownersguide.com/guides/associate-comp-models.md): How practices pay associate clinicians: base, production, collections, and the contract terms that matter as much as the number.
- [Scaling beyond one practice](https://www.practiceownersguide.com/guides/sell-or-scale.md): Recognize which road you're on early enough to structure for it deliberately: owner-operator group, platform, or sale.
- [Bring on associates or partners](https://www.practiceownersguide.com/guides/associates-vs-partners.md): More clinical capacity without giving away equity you'll regret, or withholding it until your best clinician leaves to compete with you.
- [Open a second location](https://www.practiceownersguide.com/guides/open-a-second-location.md): A second site that extends your economics instead of dividing your attention, starting with the threshold question of same entity or new one.
- [Expand out of state](https://www.practiceownersguide.com/guides/expand-out-of-state.md): Adding a second state, entity structure, licensure, payer re-enrollment, tax registrations, and banking, organized by workstream.
- [Become an MSO](https://www.practiceownersguide.com/guides/become-an-mso.md): Converting a practice into an MSO-PC structure, when it's worth it, the conversion workstreams, and what changes operationally.
- [Multi-entity money](https://www.practiceownersguide.com/guides/multi-entity-money.md): Running money across PCs and an MSO: account layout, intercompany flows, and the discipline that keeps the structure legally real.
- [Sell your practice](https://www.practiceownersguide.com/guides/sell-your-practice.md): The exit landscape: who buys practices, how they're valued, and what to fix two years before you sell.
- [The Owner's Task Repo](https://www.practiceownersguide.com/reference/owners-task-repo.md): The full inventory of what a practice owner must do: becoming an owner, choosing a revenue model, building the patient payment stack, and the recurring calendar.
- [Checklists](https://www.practiceownersguide.com/reference/checklists.md): Condensed, printable versions of the guides: practice launch, acquisition banking, bank switch, and monthly financial hygiene. Each links back to its full recipe.
- [Forms library](https://www.practiceownersguide.com/reference/forms-library.md): The forms every practice touches, what each one does, and where the official version lives.
- [Glossary](https://www.practiceownersguide.com/reference/glossary.md): Terms as used across this guide, organized by domain, with links to the pages that treat them fully. Alphabetical within each section.
- [CPOM by state](https://www.practiceownersguide.com/reference/cpom-by-state.md): Which states restrict non-physician ownership of medical practices, grouped by enforcement intensity, with sources.
- [Telehealth rules by state](https://www.practiceownersguide.com/reference/telehealth-by-state.md): The state-level variables that govern virtual care, and where to look each one up.
- [Entity types by state](https://www.practiceownersguide.com/reference/entity-types-by-state.md): Which professional entity your state lets a practice use, and how to verify in ten minutes.
- [Payer EFT/ERA enrollment directory](https://www.practiceownersguide.com/reference/payer-enrollment-directory.md): Per-payer and per-portal instructions for enrolling in EFT and ERA, or re-enrolling after a bank change, organized by the door you walk through.
- [Payer EFT/ERA enrollment directory](https://www.practiceownersguide.com/reference/payers/index.md): Every payer we track, the portal that manages its EFT enrollment, and a step-by-step page for each, enrolling, updating, and changing banks.
- [Availity Essentials](https://www.practiceownersguide.com/reference/payers/availity.md): EFT/ERA enrollment through Availity Essentials, which payers it covers and how enrollment works.
- [BCBS Illinois](https://www.practiceownersguide.com/reference/payers/availity/bcbs-illinois.md): How to enroll in EFT/ERA and change your bank account for BCBS Illinois, step by step.
- [BCBS Texas](https://www.practiceownersguide.com/reference/payers/availity/bcbs-texas.md): How to enroll in EFT/ERA and change your bank account for BCBS Texas, step by step.
- [BCBS Texas Medicaid](https://www.practiceownersguide.com/reference/payers/availity/bcbs-texas-medicaid.md): How to enroll in EFT/ERA and change your bank account for BCBS Texas Medicaid, step by step.
- [Humana](https://www.practiceownersguide.com/reference/payers/availity/humana.md): How to enroll in EFT/ERA and change your bank account for Humana, step by step.
- [Cigna for Health Care Professionals](https://www.practiceownersguide.com/reference/payers/cigna.md): EFT/ERA enrollment through Cigna for Health Care Professionals, which payers it covers and how enrollment works.
- [Cigna](https://www.practiceownersguide.com/reference/payers/cigna/cigna.md): How to enroll in EFT/ERA and change your bank account for Cigna, step by step.
- [ECHO Health](https://www.practiceownersguide.com/reference/payers/echo-health.md): EFT/ERA enrollment through ECHO Health, which payers it covers and how enrollment works.
- [HNB - ECHO (clearinghouse)](https://www.practiceownersguide.com/reference/payers/echo-health/hnb-echo-clearinghouse.md): How to enroll in EFT/ERA and change your bank account for HNB - ECHO (clearinghouse), step by step.
- [PNC - ECHO (clearinghouse)](https://www.practiceownersguide.com/reference/payers/echo-health/pnc-echo-clearinghouse.md): How to enroll in EFT/ERA and change your bank account for PNC - ECHO (clearinghouse), step by step.
- [EnrollSafe (PayeeHub)](https://www.practiceownersguide.com/reference/payers/enrollsafe-payeehub.md): EFT/ERA enrollment through EnrollSafe (PayeeHub), which payers it covers and how enrollment works.
- [Amerigroup (NM)](https://www.practiceownersguide.com/reference/payers/enrollsafe-payeehub/amerigroup-nm.md): How to enroll in EFT/ERA and change your bank account for Amerigroup (NM), step by step.
- [Amerigroup RealSolutions in Healthcare (GA)](https://www.practiceownersguide.com/reference/payers/enrollsafe-payeehub/amerigroup-realsolutions-in-healthcare-ga.md): How to enroll in EFT/ERA and change your bank account for Amerigroup RealSolutions in Healthcare (GA), step by step.
- [Anthem Blue Cross and Blue Shield (CO)](https://www.practiceownersguide.com/reference/payers/enrollsafe-payeehub/anthem-blue-cross-and-blue-shield-co.md): How to enroll in EFT/ERA and change your bank account for Anthem Blue Cross and Blue Shield (CO), step by step.
- [Anthem Blue Cross and Blue Shield (CT)](https://www.practiceownersguide.com/reference/payers/enrollsafe-payeehub/anthem-blue-cross-and-blue-shield-ct.md): How to enroll in EFT/ERA and change your bank account for Anthem Blue Cross and Blue Shield (CT), step by step.
- [Anthem Blue Cross and Blue Shield (GA)](https://www.practiceownersguide.com/reference/payers/enrollsafe-payeehub/anthem-blue-cross-and-blue-shield-ga.md): How to enroll in EFT/ERA and change your bank account for Anthem Blue Cross and Blue Shield (GA), step by step.
- [Anthem Blue Cross and Blue Shield HealthKeepers (VA)](https://www.practiceownersguide.com/reference/payers/enrollsafe-payeehub/anthem-blue-cross-and-blue-shield-healthkeepers-va.md): How to enroll in EFT/ERA and change your bank account for Anthem Blue Cross and Blue Shield HealthKeepers (VA), step by step.
- [Anthem Blue Cross and Blue Shield (IN)](https://www.practiceownersguide.com/reference/payers/enrollsafe-payeehub/anthem-blue-cross-and-blue-shield-in.md): How to enroll in EFT/ERA and change your bank account for Anthem Blue Cross and Blue Shield (IN), step by step.
- [Anthem Blue Cross and Blue Shield (KY)](https://www.practiceownersguide.com/reference/payers/enrollsafe-payeehub/anthem-blue-cross-and-blue-shield-ky.md): How to enroll in EFT/ERA and change your bank account for Anthem Blue Cross and Blue Shield (KY), step by step.
- [Anthem Blue Cross and Blue Shield MaineHealth](https://www.practiceownersguide.com/reference/payers/enrollsafe-payeehub/anthem-blue-cross-and-blue-shield-mainehealth.md): How to enroll in EFT/ERA and change your bank account for Anthem Blue Cross and Blue Shield MaineHealth, step by step.
- [Anthem Blue Cross and Blue Shield (ME)](https://www.practiceownersguide.com/reference/payers/enrollsafe-payeehub/anthem-blue-cross-and-blue-shield-me.md): How to enroll in EFT/ERA and change your bank account for Anthem Blue Cross and Blue Shield (ME), step by step.
- [Anthem Blue Cross and Blue Shield Medicaid (KY)](https://www.practiceownersguide.com/reference/payers/enrollsafe-payeehub/anthem-blue-cross-and-blue-shield-medicaid-ky.md): How to enroll in EFT/ERA and change your bank account for Anthem Blue Cross and Blue Shield Medicaid (KY), step by step.
- [Anthem Blue Cross and Blue Shield (MO)](https://www.practiceownersguide.com/reference/payers/enrollsafe-payeehub/anthem-blue-cross-and-blue-shield-mo.md): How to enroll in EFT/ERA and change your bank account for Anthem Blue Cross and Blue Shield (MO), step by step.
- [Anthem Blue Cross and Blue Shield (NH)](https://www.practiceownersguide.com/reference/payers/enrollsafe-payeehub/anthem-blue-cross-and-blue-shield-nh.md): How to enroll in EFT/ERA and change your bank account for Anthem Blue Cross and Blue Shield (NH), step by step.
- [Anthem Blue Cross and Blue Shield (NV)](https://www.practiceownersguide.com/reference/payers/enrollsafe-payeehub/anthem-blue-cross-and-blue-shield-nv.md): How to enroll in EFT/ERA and change your bank account for Anthem Blue Cross and Blue Shield (NV), step by step.
- [Anthem Blue Cross and Blue Shield (NY)](https://www.practiceownersguide.com/reference/payers/enrollsafe-payeehub/anthem-blue-cross-and-blue-shield-ny.md): How to enroll in EFT/ERA and change your bank account for Anthem Blue Cross and Blue Shield (NY), step by step.
- [Anthem Blue Cross and Blue Shield (OH)](https://www.practiceownersguide.com/reference/payers/enrollsafe-payeehub/anthem-blue-cross-and-blue-shield-oh.md): How to enroll in EFT/ERA and change your bank account for Anthem Blue Cross and Blue Shield (OH), step by step.
- [Anthem Blue Cross and Blue Shield (VA)](https://www.practiceownersguide.com/reference/payers/enrollsafe-payeehub/anthem-blue-cross-and-blue-shield-va.md): How to enroll in EFT/ERA and change your bank account for Anthem Blue Cross and Blue Shield (VA), step by step.
- [Anthem Blue Cross and Blue Shield (WI)](https://www.practiceownersguide.com/reference/payers/enrollsafe-payeehub/anthem-blue-cross-and-blue-shield-wi.md): How to enroll in EFT/ERA and change your bank account for Anthem Blue Cross and Blue Shield (WI), step by step.
- [Anthem Blue Cross (CA)](https://www.practiceownersguide.com/reference/payers/enrollsafe-payeehub/anthem-blue-cross-ca.md): How to enroll in EFT/ERA and change your bank account for Anthem Blue Cross (CA), step by step.
- [Anthem Blue Cross Life and Health Insurance Company (CA)](https://www.practiceownersguide.com/reference/payers/enrollsafe-payeehub/anthem-blue-cross-life-and-health-insurance-company-ca.md): How to enroll in EFT/ERA and change your bank account for Anthem Blue Cross Life and Health Insurance Company (CA), step by step.
- [Anthem Blue Cross (NY)](https://www.practiceownersguide.com/reference/payers/enrollsafe-payeehub/anthem-blue-cross-ny.md): How to enroll in EFT/ERA and change your bank account for Anthem Blue Cross (NY), step by step.
- [Anthem HealthKeepers (VA)](https://www.practiceownersguide.com/reference/payers/enrollsafe-payeehub/anthem-healthkeepers-va.md): How to enroll in EFT/ERA and change your bank account for Anthem HealthKeepers (VA), step by step.
- [Blue Cross Blue Shield FEP Dental](https://www.practiceownersguide.com/reference/payers/enrollsafe-payeehub/blue-cross-blue-shield-fep-dental.md): How to enroll in EFT/ERA and change your bank account for Blue Cross Blue Shield FEP Dental, step by step.
- [Blue Cross Blue Shield Healthy Blue Heritage Health (NE)](https://www.practiceownersguide.com/reference/payers/enrollsafe-payeehub/blue-cross-blue-shield-healthy-blue-heritage-health-ne.md): How to enroll in EFT/ERA and change your bank account for Blue Cross Blue Shield Healthy Blue Heritage Health (NE), step by step.
- [Blue Cross Blue Shield Healthy Blue (LA)](https://www.practiceownersguide.com/reference/payers/enrollsafe-payeehub/blue-cross-blue-shield-healthy-blue-la.md): How to enroll in EFT/ERA and change your bank account for Blue Cross Blue Shield Healthy Blue (LA), step by step.
- [Blue Cross Blue Shield Healthy Blue (MO)](https://www.practiceownersguide.com/reference/payers/enrollsafe-payeehub/blue-cross-blue-shield-healthy-blue-mo.md): How to enroll in EFT/ERA and change your bank account for Blue Cross Blue Shield Healthy Blue (MO), step by step.
- [Blue Cross Blue Shield of North Carolina Healthy Blue](https://www.practiceownersguide.com/reference/payers/enrollsafe-payeehub/blue-cross-blue-shield-of-north-carolina-healthy-blue.md): How to enroll in EFT/ERA and change your bank account for Blue Cross Blue Shield of North Carolina Healthy Blue, step by step.
- [Blue Medicare Advantage Blue Cross (PA)](https://www.practiceownersguide.com/reference/payers/enrollsafe-payeehub/blue-medicare-advantage-blue-cross-pa.md): How to enroll in EFT/ERA and change your bank account for Blue Medicare Advantage Blue Cross (PA), step by step.
- [Clear Health Alliance](https://www.practiceownersguide.com/reference/payers/enrollsafe-payeehub/clear-health-alliance.md): How to enroll in EFT/ERA and change your bank account for Clear Health Alliance, step by step.
- [Colorado Community Health Alliance](https://www.practiceownersguide.com/reference/payers/enrollsafe-payeehub/colorado-community-health-alliance.md): How to enroll in EFT/ERA and change your bank account for Colorado Community Health Alliance, step by step.
- [HealthSun Health Plans](https://www.practiceownersguide.com/reference/payers/enrollsafe-payeehub/healthsun-health-plans.md): How to enroll in EFT/ERA and change your bank account for HealthSun Health Plans, step by step.
- [Healthy Blue - Blue Choice HealthPlan of SC - Healthy Connections](https://www.practiceownersguide.com/reference/payers/enrollsafe-payeehub/healthy-blue-blue-choice-healthplan-of-sc-healthy-connections.md): How to enroll in EFT/ERA and change your bank account for Healthy Blue - Blue Choice HealthPlan of SC - Healthy Connections, step by step.
- [Healthy Blue Kansas (KS)](https://www.practiceownersguide.com/reference/payers/enrollsafe-payeehub/healthy-blue-kansas-ks.md): How to enroll in EFT/ERA and change your bank account for Healthy Blue Kansas (KS), step by step.
- [Healthy Blue + Medicare (NC)](https://www.practiceownersguide.com/reference/payers/enrollsafe-payeehub/healthy-blue-medicare-nc.md): How to enroll in EFT/ERA and change your bank account for Healthy Blue + Medicare (NC), step by step.
- [HIGHMARK WNY BCBS MEDICAID CHP](https://www.practiceownersguide.com/reference/payers/enrollsafe-payeehub/highmark-wny-bcbs-medicaid-chp.md): How to enroll in EFT/ERA and change your bank account for HIGHMARK WNY BCBS MEDICAID CHP, step by step.
- [Horizon BCBS NJ Dental Programs](https://www.practiceownersguide.com/reference/payers/enrollsafe-payeehub/horizon-bcbs-nj-dental-programs.md): How to enroll in EFT/ERA and change your bank account for Horizon BCBS NJ Dental Programs, step by step.
- [Simply Healthcare](https://www.practiceownersguide.com/reference/payers/enrollsafe-payeehub/simply-healthcare.md): How to enroll in EFT/ERA and change your bank account for Simply Healthcare, step by step.
- [Summit Community Care](https://www.practiceownersguide.com/reference/payers/enrollsafe-payeehub/summit-community-care.md): How to enroll in EFT/ERA and change your bank account for Summit Community Care, step by step.
- [UFCW Local 1262 Welfare Dental Program](https://www.practiceownersguide.com/reference/payers/enrollsafe-payeehub/ufcw-local-1262-welfare-dental-program.md): How to enroll in EFT/ERA and change your bank account for UFCW Local 1262 Welfare Dental Program, step by step.
- [UniCare](https://www.practiceownersguide.com/reference/payers/enrollsafe-payeehub/unicare.md): How to enroll in EFT/ERA and change your bank account for UniCare, step by step.
- [Wellmark Blue Dental](https://www.practiceownersguide.com/reference/payers/enrollsafe-payeehub/wellmark-blue-dental.md): How to enroll in EFT/ERA and change your bank account for Wellmark Blue Dental, step by step.
- [Wellpoint (AZ)](https://www.practiceownersguide.com/reference/payers/enrollsafe-payeehub/wellpoint-az.md): How to enroll in EFT/ERA and change your bank account for Wellpoint (AZ), step by step.
- [Wellpoint Commonwealth of Massachusetts](https://www.practiceownersguide.com/reference/payers/enrollsafe-payeehub/wellpoint-commonwealth-of-massachusetts.md): How to enroll in EFT/ERA and change your bank account for Wellpoint Commonwealth of Massachusetts, step by step.
- [Wellpoint (DC)](https://www.practiceownersguide.com/reference/payers/enrollsafe-payeehub/wellpoint-dc.md): How to enroll in EFT/ERA and change your bank account for Wellpoint (DC), step by step.
- [Wellpoint (FL)](https://www.practiceownersguide.com/reference/payers/enrollsafe-payeehub/wellpoint-fl.md): How to enroll in EFT/ERA and change your bank account for Wellpoint (FL), step by step.
- [Wellpoint (IA)](https://www.practiceownersguide.com/reference/payers/enrollsafe-payeehub/wellpoint-ia.md): How to enroll in EFT/ERA and change your bank account for Wellpoint (IA), step by step.
- [Wellpoint (MD)](https://www.practiceownersguide.com/reference/payers/enrollsafe-payeehub/wellpoint-md.md): How to enroll in EFT/ERA and change your bank account for Wellpoint (MD), step by step.
- [Wellpoint (NJ)](https://www.practiceownersguide.com/reference/payers/enrollsafe-payeehub/wellpoint-nj.md): How to enroll in EFT/ERA and change your bank account for Wellpoint (NJ), step by step.
- [Wellpoint (NY)](https://www.practiceownersguide.com/reference/payers/enrollsafe-payeehub/wellpoint-ny.md): How to enroll in EFT/ERA and change your bank account for Wellpoint (NY), step by step.
- [Wellpoint (SC)](https://www.practiceownersguide.com/reference/payers/enrollsafe-payeehub/wellpoint-sc.md): How to enroll in EFT/ERA and change your bank account for Wellpoint (SC), step by step.
- [Wellpoint (TN)](https://www.practiceownersguide.com/reference/payers/enrollsafe-payeehub/wellpoint-tn.md): How to enroll in EFT/ERA and change your bank account for Wellpoint (TN), step by step.
- [Wellpoint (TX)](https://www.practiceownersguide.com/reference/payers/enrollsafe-payeehub/wellpoint-tx.md): How to enroll in EFT/ERA and change your bank account for Wellpoint (TX), step by step.
- [Wellpoint (WA)](https://www.practiceownersguide.com/reference/payers/enrollsafe-payeehub/wellpoint-wa.md): How to enroll in EFT/ERA and change your bank account for Wellpoint (WA), step by step.
- [Wellpoint (WV)](https://www.practiceownersguide.com/reference/payers/enrollsafe-payeehub/wellpoint-wv.md): How to enroll in EFT/ERA and change your bank account for Wellpoint (WV), step by step.
- [HAP (Health Alliance Plan)](https://www.practiceownersguide.com/reference/payers/hap.md): EFT/ERA enrollment through HAP (Health Alliance Plan), which payers it covers and how enrollment works.
- [HAP (Health Alliance Plan)](https://www.practiceownersguide.com/reference/payers/hap/hap-health-alliance-plan.md): How to enroll in EFT/ERA and change your bank account for HAP (Health Alliance Plan), step by step.
- [Medica (InstaMed + Optum Pay)](https://www.practiceownersguide.com/reference/payers/medica-instamed.md): EFT/ERA enrollment through Medica (InstaMed + Optum Pay), which payers it covers and how enrollment works.
- [Medica](https://www.practiceownersguide.com/reference/payers/medica-instamed/medica.md): How to enroll in EFT/ERA and change your bank account for Medica, step by step.
- [Medicare, Novitas (CMS-588)](https://www.practiceownersguide.com/reference/payers/medicare-novitas.md): EFT/ERA enrollment through Medicare, Novitas (CMS-588), which payers it covers and how enrollment works.
- [Novitas (Medicare MAC)](https://www.practiceownersguide.com/reference/payers/medicare-novitas/novitas-medicare-mac.md): How to enroll in EFT/ERA and change your bank account for Novitas (Medicare MAC), step by step.
- [US Treasury / Medicare (36 Treas 310)](https://www.practiceownersguide.com/reference/payers/medicare-novitas/us-treasury-medicare-36-treas-310.md): How to enroll in EFT/ERA and change your bank account for US Treasury / Medicare (36 Treas 310), step by step.
- [Medicare, Palmetto GBA (CMS-588)](https://www.practiceownersguide.com/reference/payers/medicare-palmetto.md): EFT/ERA enrollment through Medicare, Palmetto GBA (CMS-588), which payers it covers and how enrollment works.
- [Palmetto GBA (Medicare MAC)](https://www.practiceownersguide.com/reference/payers/medicare-palmetto/palmetto-gba-medicare-mac.md): How to enroll in EFT/ERA and change your bank account for Palmetto GBA (Medicare MAC), step by step.
- [Optum Pay (Optum Health Payment Services)](https://www.practiceownersguide.com/reference/payers/optum-pay.md): EFT/ERA enrollment through Optum Pay (Optum Health Payment Services), which payers it covers and how enrollment works.
- [AARP Supplemental from UnitedHealthcare](https://www.practiceownersguide.com/reference/payers/optum-pay/aarp-supplemental-from-unitedhealthcare.md): How to enroll in EFT/ERA and change your bank account for AARP Supplemental from UnitedHealthcare, step by step.
- [Government Employees Health Association](https://www.practiceownersguide.com/reference/payers/optum-pay/government-employees-health-association.md): How to enroll in EFT/ERA and change your bank account for Government Employees Health Association, step by step.
- [Optum VA CCN Region 2](https://www.practiceownersguide.com/reference/payers/optum-pay/optum-va-ccn-region-2.md): How to enroll in EFT/ERA and change your bank account for Optum VA CCN Region 2, step by step.
- [Optum VA CCN Region 3](https://www.practiceownersguide.com/reference/payers/optum-pay/optum-va-ccn-region-3.md): How to enroll in EFT/ERA and change your bank account for Optum VA CCN Region 3, step by step.
- [Optum VA CCN Region 5](https://www.practiceownersguide.com/reference/payers/optum-pay/optum-va-ccn-region-5.md): How to enroll in EFT/ERA and change your bank account for Optum VA CCN Region 5, step by step.
- [UHC Community Plan](https://www.practiceownersguide.com/reference/payers/optum-pay/uhc-community-plan.md): How to enroll in EFT/ERA and change your bank account for UHC Community Plan, step by step.
- [UHC Community Plan MI Dual](https://www.practiceownersguide.com/reference/payers/optum-pay/uhc-community-plan-mi-dual.md): How to enroll in EFT/ERA and change your bank account for UHC Community Plan MI Dual, step by step.
- [UHC Community Plan Michigan](https://www.practiceownersguide.com/reference/payers/optum-pay/uhc-community-plan-michigan.md): How to enroll in EFT/ERA and change your bank account for UHC Community Plan Michigan, step by step.
- [UMR](https://www.practiceownersguide.com/reference/payers/optum-pay/umr.md): How to enroll in EFT/ERA and change your bank account for UMR, step by step.
- [UnitedHealthcare](https://www.practiceownersguide.com/reference/payers/optum-pay/unitedhealthcare.md): How to enroll in EFT/ERA and change your bank account for UnitedHealthcare, step by step.
- [Payer Enrollment Services](https://www.practiceownersguide.com/reference/payers/payer-enrollment-services.md): EFT/ERA enrollment through Payer Enrollment Services, which payers it covers and how enrollment works.
- [Aetna](https://www.practiceownersguide.com/reference/payers/payer-enrollment-services/aetna.md): How to enroll in EFT/ERA and change your bank account for Aetna, step by step.
- [BlueCross BlueShield of Tennessee](https://www.practiceownersguide.com/reference/payers/payer-enrollment-services/bluecross-blueshield-of-tennessee.md): How to enroll in EFT/ERA and change your bank account for BlueCross BlueShield of Tennessee, step by step.
- [Healthfirst NY](https://www.practiceownersguide.com/reference/payers/payer-enrollment-services/healthfirst-ny.md): How to enroll in EFT/ERA and change your bank account for Healthfirst NY, step by step.
- [Shared Health](https://www.practiceownersguide.com/reference/payers/payer-enrollment-services/shared-health.md): How to enroll in EFT/ERA and change your bank account for Shared Health, step by step.
- [TRICARE For Life](https://www.practiceownersguide.com/reference/payers/payer-enrollment-services/tricare-for-life.md): How to enroll in EFT/ERA and change your bank account for TRICARE For Life, step by step.
- [WPS, Family Care (FAMC)](https://www.practiceownersguide.com/reference/payers/payer-enrollment-services/wps-family-care-famc.md): How to enroll in EFT/ERA and change your bank account for WPS, Family Care (FAMC), step by step.
- [PaySpan (Zelis)](https://www.practiceownersguide.com/reference/payers/payspan-zelis.md): EFT/ERA enrollment through PaySpan (Zelis), which payers it covers and how enrollment works.
- [Centene Corp](https://www.practiceownersguide.com/reference/payers/payspan-zelis/centene-corp.md): How to enroll in EFT/ERA and change your bank account for Centene Corp, step by step.
- [Devoted Health](https://www.practiceownersguide.com/reference/payers/payspan-zelis/devoted-health.md): How to enroll in EFT/ERA and change your bank account for Devoted Health, step by step.
- [TX CENP Claims](https://www.practiceownersguide.com/reference/payers/payspan-zelis/tx-cenp-claims.md): How to enroll in EFT/ERA and change your bank account for TX CENP Claims, step by step.
- [WellCare](https://www.practiceownersguide.com/reference/payers/payspan-zelis/wellcare.md): How to enroll in EFT/ERA and change your bank account for WellCare, step by step.
- [PECOS (Medicare online enrollment)](https://www.practiceownersguide.com/reference/payers/pecos.md): EFT/ERA enrollment through PECOS (Medicare online enrollment), which payers it covers and how enrollment works.
- [Medicare (PECOS online enrollment)](https://www.practiceownersguide.com/reference/payers/pecos/medicare-pecos-online-enrollment.md): How to enroll in EFT/ERA and change your bank account for Medicare (PECOS online enrollment), step by step.
- [Texas Medicaid (TMHP PEMS)](https://www.practiceownersguide.com/reference/payers/tmhp-texas-medicaid.md): EFT/ERA enrollment through Texas Medicaid (TMHP PEMS), which payers it covers and how enrollment works.
- [TMHP (TX Medicaid)](https://www.practiceownersguide.com/reference/payers/tmhp-texas-medicaid/tmhp-tx-medicaid.md): How to enroll in EFT/ERA and change your bank account for TMHP (TX Medicaid), step by step.


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