> ## 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.

# Medica

> How to enroll in EFT/ERA and change your bank account for Medica, step by step.

**Portal:** [Medica (InstaMed + Optum Pay)](https://partner.medica.com) · [About this portal](/reference/payers/medica-instamed)

## Enroll in EFT or update your bank account

These are sequential, each one depends on the last:

1. Medica EFT/ERA is handled through InstaMed and Optum Pay, enroll with both.
2. Optum Pay: open the Optum Pay home page, click ENROLL NOW, then register for portal access.
3. InstaMed: enroll once to receive ERA/EFT from all payers on the InstaMed list (Medica Payer IDs 12422, 71890, MEDM1).
4. Enter provider and bank account details and review them for accuracy.
5. Allow about 10 business days to complete. See Medica's "How to Register for EPS" guide at [https://partner.medica.com](https://partner.medica.com).

## If you are switching banks

Re-run the enrollment above with the new account details. Until the change is
confirmed, payments continue to the old account, keep it open and sweep the
balance until deposits from Medica appear in the new account. See
[Switch banks without missing a payer deposit](/guides/switch-banks) for the
full cutover checklist, and [EFT reassociation](/concepts/eft-reassociation)
for how to keep matching ERAs to deposits during the transition.

## Related

* [Enroll in EFT and ERA](/guides/enroll-eft-era), the general playbook
* [Payer EFT/ERA enrollment directory](/reference/payers), every payer we track