Electronic claims payment offers you several advantages over traditional paper checks:
- Faster payment processing
- Reduced manual processes
- Access to online or electronic remittance information
- Reduced risk of lost or stolen checks
With electronic funds transfer (EFT), your Humana claims payments are deposited directly in the bank account(s) of your choice. You also will be enrolled for our electronic remittance advice (ERA), which replaces the paper version of your explanation of remittance (EOR).
Fees may be associated with electronic transactions. Please check with your financial institution or merchant processor for specific rates related to EFT or credit card payments. Check with your clearinghouse for fees associated with ERA transactions.
EFT/ERA enrollment through Humana
Get paid faster and reduce administrative paperwork with EFT and ERA.
Physicians and other healthcare providers can use Humana's ERA/EFT Enrollment tool on the Availity Provider Portal to enroll. To access this tool:
- Sign in to the Availity Provider Portal at Availity.com (registration required).
- From the Payer Spaces menu, select Humana.
- From the Applications tab, select the ERA/EFT Enrollment app. (If you don’t see the app, contact your Availity administrator to discuss your need for this tool.)
When you enroll in EFT, Humana claims payments are deposited directly in the bank account(s) of your choice.
EFT payment transactions are reported with file format CCD+, which is the recommended industry standard for EFT payments. The CCD+ format is a NACHA Automated Clearing House (ACH) corporate payment format with a single, 80-character addendum record capability. The addendum record is used by the originator to provide additional information about the payment to the recipient. This format is also referenced in the ERA (835 data file). Contact your financial institution if you would like to receive this information.
Fees may be associated with EFT payments. Consult with your financial institution for specific rates.
The ERA replaces the paper version of the EOR. Humana delivers 5010 835 versions of all ERA remittance files that are compliant with the Health Insurance Portability and Accountability Act of 1996 (HIPAA). Humana utilizes Availity® as the central gateway for delivery of 835 transactions. You can access your ERA through your clearinghouse or through the secure provider tools available at the , opens new window
Fees may be associated with ERA transactions. Check with your clearinghouse for specific rates.
Multipayer EFT/ERA enrollment through EnrollHub, a CAQH Solution
Practitioners who want to sign up for EFT payments from multiple health plans (Humana and others) can do so through EnrollHub, a CAQH EFT/ERA Solution.
CAQH is a nonprofit alliance that creates solutions to streamline healthcare business processes. The alliance is known for CAQH ProView®, formerly the Universal Provider Datasource®, a solution that facilitates provider data collection and the credentialing process for more than 1.3 million practitioners.
With EnrollHub, you submit EFT enrollment information to CAQH online. CAQH verifies the information and then sends it to Humana and the other payers you select. These payers process your enrollment and begin sending electronic payments to your bank account. There is no enrollment cost for the provider.
Following the EFT enrollment process, you will receive your remittance advice through a clearinghouse. When you enroll, you will be prompted to designate the clearinghouse that should receive your ERA.
Fees may be associated with electronic transactions. Check with your financial institution for specific rates related to EFT. Check with your clearinghouse for fees related to ERA.