Payer EFT/ERA enrollment directory

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: enrolling once with an aggregator covers every payer it processes. General recipe: Enroll in EFT and ERA.

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Aggregators and hubs

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Availity

Covers: many Blues plans and others (ERA especially) · essentials.availity.com Enrollments Center → Transaction Enrollment → select payer, transaction (835), and receiver (your practice or clearinghouse receiver ID; confirm with your PM vendor). Availity publishes a self-paced walkthrough. Bank changes: re-run per payer; EFT itself is often still payer-direct.

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EnrollSafe (Zelis)

Covers: many plans including Anthem/Amerigroup entities · enrollsafe.payeehub.org Register the practice (TIN, NPI, bank details), then find each plan in Participating Plans and enroll or update. Verification: EnrollSafe calls the administrator on file after submission. Make sure that person expects the call, or the enrollment stalls silently.

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Zelis ePayment Center

Covers: payers on Zelis payments, e.g. MetLife dental at metlifedental.epayment.center · general form: zelis.com/providers/provider-enrollment TIN, group NPI, contact info. Direct ACH confirmation, then bank verification. Watch the payment method: Zelis defaults many payers to virtual card. Elect standard ACH.

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ECHO Health

Enrollment: enrollments.echohealthinc.com Submit the form; an e-signature request follows by email. Not complete until signed. Same VCC caution: choose ACH. ECHO publishes participating-payer lists by payment method.

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Optum Pay (Payments Connector)

Covers: UnitedHealthcare and many Optum-processed payers · portal.paymentsconnector.optum.com, sign-in via OneHealthcare ID Manage EFT and bank details under the practice TIN. Basic (free ACH) vs. premium (fee-bearing) tiers: basic satisfies most practices. Don’t pay a percentage for data the 835 already contains.

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Optum Financial

Covers: additional Optum payers; Tricare for Life lives here · myservices.optumhealthpaymentservices.com Separate from Optum Pay. Bank changes take about 5 calendar days to accept.

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Payspan

Covers: many regional plans and Blues · payspanhealth.com Your Payments → Accounts → Add New Account → type ACH/EFT. Then Enroll → Reg codes by Payers → select and assign the account. Payspan runs on per-payer registration codes; your first enrollment letter from a Payspan payer contains one.

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Payer-direct portals

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Cigna / Evernorth

EFT: cignaforhcp.cigna.com → Work with Cigna → EFT → choose TIN → Manage → select new financial institution. Evernorth portal (incl. behavioral): provider.evernorth.com, access provisioning first, then payment settings.

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Blue Shield of California

Portal: blueshieldca.com/en/provider Register for access (login plus email approval), then Claims → Manage EFT. If the EFT module shows unavailable, request access from your portal administrator before planning a same-day change.

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Aetna

Login uses email one-time-passcode MFA; EFT/ERA lives under payment settings. Some lines pay via aggregators; check your remittance descriptors to see which rail is actually paying you.

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BCBS FEP Dental

Portal: secure.mydentalapps.com

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Government

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Medicare (CMS-588 via PECOS)

pecos.cms.hhs.gov under your CMS I&A account (registration). EFT designation is form CMS-588. I&A requires the individual’s SSN, so the authorized official registers themselves and delegates staff access through I&A. One login covers NPPES and PECOS. Bank changes: updated CMS-588 with a voided check; MAC processing varies.

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Medicaid

Per state, per portal, per timeline. Same pattern everywhere (enrollment portal, EFT form, bank letter), different door every time. Multi-state groups: one tracker row per state.

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Using this for a bank switch

Top-down by annual dollars, batched by door, each payer’s processing time recorded, tracked to verified deposit. Full playbook: Switch banks.