> ## Documentation Index
> Fetch the complete documentation index at: https://www.practiceownersguide.com/llms.txt
> Use this file to discover all available pages before exploring further.

# 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.

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](/guides/enroll-eft-era).

<Info>
  **The standard packet:** entity legal name and TIN, Type 2 NPI, credentialed address, routing/account numbers, voided check or bank letter, authorized signer.
</Info>

```mermaid theme={null}
flowchart TD
    Y[Your practice] --> AG[Aggregators<br/>one portal, many payers]
    Y --> PD[Payer-direct portals]
    Y --> GV[Government]
    AG --> A1[Availity] & A2[EnrollSafe / Zelis] & A3[ECHO] & A4[Optum Pay] & A5[Optum Financial] & A6[Payspan]
    PD --> P1[Cigna/Evernorth] & P2[Blue Shield CA] & P3[Aetna] & P4[BCBS FEP Dental]
    GV --> G1[Medicare: CMS-588 via PECOS] & G2[Medicaid: per state]
```

<Warning>
  Processing times are typical, not guaranteed; some payers take four weeks. Track every enrollment to a verified deposit. This directory grows as we run enrollments; [tell us what changed](https://getlemma.com).
</Warning>

## Aggregators and hubs

### Availity

**Covers:** many Blues plans and others (ERA especially) · [essentials.availity.com](https://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](https://essentials.availity.com/availity/Demos/REC_AP_TransactionEnrollment/story.html). Bank changes: re-run per payer; EFT itself is often still payer-direct.

### EnrollSafe (Zelis)

**Covers:** many plans including Anthem/Amerigroup entities · [enrollsafe.payeehub.org](https://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.

### Zelis ePayment Center

**Covers:** payers on Zelis payments, e.g. MetLife dental at [metlifedental.epayment.center](https://metlifedental.epayment.center) · general form: [zelis.com/providers/provider-enrollment](https://www.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.

### ECHO Health

**Enrollment:** [enrollments.echohealthinc.com](https://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.

### Optum Pay (Payments Connector)

**Covers:** UnitedHealthcare and many Optum-processed payers · [portal.paymentsconnector.optum.com](https://portal.paymentsconnector.optum.com/), sign-in via [OneHealthcare ID](https://ohid.optum.com/)

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](/concepts/what-is-an-835) already contains.

### Optum Financial

**Covers:** additional Optum payers; **Tricare for Life lives here** · [myservices.optumhealthpaymentservices.com](https://myservices.optumhealthpaymentservices.com/)

Separate from Optum Pay. Bank changes take about **5 calendar days** to accept.

### Payspan

**Covers:** many regional plans and Blues · [payspanhealth.com](https://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.

## Payer-direct portals

### Cigna / Evernorth

**EFT:** [cignaforhcp.cigna.com](https://cignaforhcp.cigna.com) → Work with Cigna → EFT → choose TIN → Manage → select new financial institution.

**Evernorth portal (incl. behavioral):** [provider.evernorth.com](https://provider.evernorth.com/app/login), access provisioning first, then payment settings.

### Blue Shield of California

**Portal:** [blueshieldca.com/en/provider](https://www.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.

### 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.

### BCBS FEP Dental

**Portal:** [secure.mydentalapps.com](https://secure.mydentalapps.com/)

## Government

### Medicare (CMS-588 via PECOS)

[pecos.cms.hhs.gov](https://pecos.cms.hhs.gov/) under your **CMS I\&A account** ([registration](https://nppes.cms.hhs.gov/IAWeb/warning.do)). 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.

### 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.

## 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](/guides/switch-banks).

<Note>
  **Lemma aside:** these instructions come from enrollments Lemma's team actually runs. Corrections ship as payers change their portals, which is constantly.
</Note>