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ERA & EFT Enrollment

Stop waiting for
paper checks.

We enroll your practice with every payer for Electronic Remittance Advice (ERA) and Electronic Funds Transfer (EFT) — so insurance payments deposit directly to your bank account and post automatically. Faster cash. Zero manual work.

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No upfront cost. Pay only when you collect.
EFT Active

Payments deposited directly to your bank account — no paper checks, no manual deposits.

ERA Auto-Posting

Remittance files posted automatically — payments matched to claims without manual data entry.

AR Days Reduced

Faster posting means your AR reflects reality — so your team pursues genuinely unpaid claims.

3–5
Days faster with EFT vs paper check payments
100%
HIPAA-compliant electronic payment setup
Zero
Manual EOB processing when ERA is active
All
Major payers enrolled — Medicare, Medicaid & commercial
What we do

End-to-end ERA & EFT setup

Most practices are still receiving paper EOBs and manually posting payments — not because they want to, but because payer enrollment is complex and time-consuming. We handle every step.

Payer enrollment

We submit ERA and EFT enrollment forms to Medicare, Medicaid, and all commercial payers — with the correct Tax ID, NPI, and banking information the first time.

EFT bank setup

Direct deposit configuration for each payer — payments routed to your practice bank account automatically, eliminating paper checks and manual deposits.

ERA 835 configuration

We configure ERA file delivery through your clearinghouse and billing system — so remittance posts automatically into your practice management platform.

Clearinghouse integration

ERA and EFT connected through your existing clearinghouse — Waystar, Availity, Office Ally, TriZetto, Change Healthcare, and others.

Enrollment tracking

We track every payer application from submission to activation — following up with payers who delay and resolving any rejected enrollments before they affect your cash flow.

Ongoing reconciliation

Monthly audits to ensure ERA files match bank deposits — catching mismatches, missing payments, and payers who revert to paper checks without notice.

ERA vs EFT — what's the difference?

Understanding the two sides of electronic payment

ERA — Electronic Remittance Advice

ERA is the explanation of a payment. It replaces paper EOBs with an electronic 835 file that tells your billing system exactly how each claim was processed — what was paid, what was adjusted, what was denied, and why. With ERA active, payments post automatically. Without it, someone manually reads a paper EOB and types each number in.

EFT — Electronic Funds Transfer

EFT is the movement of money. Instead of a payer mailing a check that takes 7–14 days to arrive, clear, and get deposited, EFT sends the payment directly to your bank account — typically within 1–3 business days of claim adjudication. No lost checks. No trips to the bank. No manual deposits. Just money in your account, automatically.

ERA + EFT together = payment deposited to your bank AND automatically posted in your billing system — the gold standard for modern revenue cycle management.

Common questions

ERA & EFT enrollment FAQs

What is ERA in medical billing?
ERA stands for Electronic Remittance Advice. It is the digital equivalent of a paper Explanation of Benefits (EOB). ERA files contain detailed information about how each claim was processed — payments, adjustments, denials, and reason codes — and allow your billing system to post payments automatically without manual entry.
What is EFT enrollment?
EFT enrollment registers your practice bank account with each insurance payer so they can deposit claim payments directly — instead of mailing paper checks. EFT payments typically arrive 3–5 days faster than paper checks and eliminate the risk of lost or stolen mail.
Do ERA and EFT work together?
Yes — ERA and EFT are designed to work in tandem. EFT is the movement of money (the deposit), while ERA is the explanation of that payment (the remittance data). When both are active, your billing system can automatically match deposits to claim payments and post them without any manual intervention.
How long does enrollment take?
Most major payers complete enrollment within 2–6 weeks. Some payers process faster; others require additional verification steps. ImmediCare manages the entire process and tracks each payer application — following up on any delays so nothing falls through the cracks.
Can ERA reduce our AR days?
Yes. When ERA is active, payments are posted the same day the ERA file is received — compared to manual posting that can lag several days. Faster posting means your AR aging report reflects reality sooner, so your billing team can focus on genuinely unpaid claims rather than payments already received but not yet entered.

Ready to stop waiting for checks?

Free billing audit — we review your current ERA/EFT setup and show you exactly what's missing.

Get a free billing audit