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Electronic Funds Transfer (EFT) / Electronic Remittance Advice (ERA)

Electronic Solutions for an Efficient Office

BCBSTX providers who receive paper checks and Provider Claim Summaries (PCSs) via the U.S. Mail may wish to consider the electronic alternatives listed below for greater efficiency, convenience and security of information.

Advantages of enrolling for Electronic Funds Transfer (EFT), Electronic Remittance Advice (ERA) and Electronic Payment Summary (EPS):

Electronic Funds Transfer (EFT)

EFT is a direct deposit claim payment from BCBSTX to your designated bank account.

Electronic Remittance Advice (ERA)

The ERA or ANSI 832 transaction is a HIPAA-compliant method of receiving claim payment and remittance details. The ERA can be automatically posted to your patient accounting system. You should also check with your billing service, clearinghouse or software vendor to confirm ERA-compatibility and availability of auto-posting software.

Out-of-state providers notification: You should specifically contact your local Blue Cross and Blue Shield (BCBS) Plan for 835 ERA enrollment. If an existing enrollment is already on file with the local BCBS Plan, then ERA files for services provided to BCBSTX members will be transmitted electronically to you under the Blue Cross Blue Shield Association’s BlueCard® program. Providers requesting to receive ERAs for Medicare Secondary Crossover claims should also make that request with their local BCBS Plan. For ERA enrollment instructions and/or other inquiries regarding ERA processing, please contact your local BCBS plan.

Online Enrollment Assistance

Learn how to enroll online for EFT and ERA transactions by referring to the Availity EFT & ERA Enrollment User Guide.

Electronic Payment Summary (EPS)

When you enroll for the ERA, you are automatically enrolled for the EPS, which is an electronic version of the paper PCS.

Have additional E-Commerce Questions?

Availity is a trademark of Availity, LLC, a separate company that operates a health information network to provide electronic information exchange services to medical professionals. Availity provides administrative services to BCBSTX. BCBSTX makes no endorsement, representations or warranties regarding third party vendors and the products and services they offer.

Related Information

Insurance Basics

Buying a Health Plan

Member Resources

Blue Cross and Blue Shield of Texas, a Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield Association

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