Electronic remittance advice (ERA) (835) and electronic funds transfer (EFT)

Humana delivers 5010 835 versions of all ERA remittance files that are compliant with the Health Insurance Portability and Accountability Act (HIPAA). The electronic format may be accessed through the provider’s clearinghouse or through the secure provider tools available at or

The online remittance inquiry is a self-service, secure application that enables providers to view remittance information online. The function offers several different inquiry methods and the ability to customize the view of the data with the use of filters and sorts. Providers can also download the HIPAA X12N 835 version 5010 A1 electronic remittance advice remit in a text format, as a Word document, in an Excel format (as a remittance inquiry supplement file), or as an Adobe® portable document format (PDF) file.

If you are not a current user of Humana’s secure provider portal, please register.Doing so will give you immediate access to the online remit inquiry function to inquire about paid claims.

Electronic remittance advice (ERA) setup

The electronic remittance advice (ERA) offers a more automated process for providers who can accept auto-posting transactions through a vendor, billing agency or clearinghouse. Humana utilizes Availity® as the central gateway for delivery of 835 transactions. After you enroll in our ERA service, the ERA will replace the paper version of the explanation of remittance (EOR) you receive.

To enroll in ERA and/or EFT, please access our online setup tool:

Electronic funds transfer (EFT) format

EFT payment transactions are reported with file format CCD+, which is the recommended industry standard for EFT payments. The CCD+ format is a National Automated Clearing House Association (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 to the payment recipient about the payment. This format is also referenced in the ERA (835 data file). Providers should contact their financial institution if they would like to receive this information.

Frequently asked questions and answers for Humana ERA/EFT
Download ERA/EFT FAQ (176 Kb)