Two ways to enroll

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), Humana deposits your claims payments directly into the bank account(s) of your choice. We also will enroll you 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 Multipayer EFT enrollment through CAQH

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:

  1. Sign in to the Availity Provider Portal at (registration required).
  2. From the Payer Spaces menu, select Humana.
  3. 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.)

ERA/EFT Enrollment app flyer , PDF opens new window

About EFT

When you enroll in EFT, Humana deposits claims payments directly into 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.

About ERA

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 uses 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 Availity Provider Portal, opens new window.

Fees may be associated with ERA transactions. Check with your clearinghouse for specific rates.

Multipayer EFT/ERA enrollment through EnrollHub

Practitioners who want to sign up for EFT payments from multiple health plans (Humana and others) can do so through EnrollHub.

Developed by CAQH – a nonprofit alliance and leader in creating shared solutions to streamline healthcare business processes – EnrollHub simplifies the EFT/ERA enrollment for providers and health plans.

Simply submit your EFT/ERA enrollment information to CAQH through its secure web-based portal, opens new window. CAQH will verify the information with the payers you selected. You then will begin receiving electronic payments from the payer to your bank account, and your remittance advice from the designated ERA clearinghouse. It’s that easy, and all at no cost to you.*

A dedicated CAQH Help Center is available for assistance. You can reach the support desk at 1-844-815-9763, Monday through Thursday, 7 a.m. to 9 p.m. Eastern time, and Friday, 7 a.m. to 7 p.m. You also can email

*Fees may be associated with electronic transactions. Check with your financial institution for charges related to EFT/ERA.