ERA, EFT & Electronic EOBs

Save time and money with these electronic tools

• Electronic remittance advice (ERA) gives payment information online.
• Electronic funds transfer (EFT) puts payment right into your account.
• Explanations of Benefits (EOBs) are on your secure provider website.

See more about ERA and EFT

Electronic remittance advice (ERA)

Electronic remittance advice (ERA) is a safe and convenient alternative to paper reports. You can enroll in one of two ways:

Electronic Enrollment

Print enrollment form

Electronic funds transfer (EFT)

EFT lets us send claims payments directly to your bank account. You can enroll in EFT in one of two ways:

Electronically, using CAQH's enrollment site

Print enrollment form

Electronic Explanations of Benefits (eEOBs)

You can review claims payments electronically on your secure provider website.

Read more about our electronic EOB tool

Electronic coordination of benefits (COB)

There are two types of COB claims you can send electronically:

• Commercial insurance claims in which another payer is primary and Aetna is secondary
• Medicare primary claims for which Medicare* has not already forwarded their claims and payment information to us

Contact the practice management support team and/or the clearinghouse you use to submit your electronic claims. They may have their own guidelines or tips about submitting COB claims.

Log in to submit an electronic COB claim
Use one of our vendors to submit COB claims

*Aetna can accept both Medicare Part A and Part B claims electronically from Medicare. If the Medicare ERA or Explanation of Payment (EOP) contains an "MA18" or "N89" remark code, the Medicare carrier has automatically sent us your claim. In these cases, you don't have to send us a Medicare primary COB claim.

Contact Aetna

If you believe you are missing an ERA file, please wait four business days. If you still have not received it, please contact your ERA vendor. If your vendor is unable to resolve your inquiry, the vendor may investigate further for you, or they may direct you to contact us.

If you believe you are missing an EFT, please review your account over four days to see if the funds have settled on a different day. If you are still unable to find the missing EFT, please contact your bank for assistance. If your bank is unable to resolve your inquiry, please contact us.

See our list of documents below for more information.

Contact Aetna