Take Advantage of Electronic Options for Faster, More Convenient Payments

February 22, 2013

The electronic options offered by Blue Cross and Blue Shield of Texas (BCBSTX) can make it easier to do business with us. Your office workflow is streamlined when you opt to receive claim payments, remittance information and payment summaries online.

Electronic Funds Transfer (EFT)

When you enroll in EFT, your claim payments from BCBSTX are deposited directly into the bank account of your choice. Providers currently enrolled in EFT have noted many advantages, including:

  • Easy and convenient payments
  • Greater security against potential fraud — no lost or stolen checks
  • Funds may be available sooner than with paper checks
  • Less paper handling

Electronic Remittance Advice (ERA)

The ERA is a HIPAA-compliant electronic file that contains claim payments, claim adjustments and remittance data (e.g., claims that were paid, payment amounts, status of processed claims). The purpose of the ERA is to enable automated posting of your patient accounts. Also known as the ANSI 835 transaction, the ERA works in conjunction with practice management software packages that can accommodate the 835 file.

Using ERA can help increase office efficiencies by:

  • Streamlining administration
  • Eliminating the need for manual posting
  • Increasing security of your of patient's protected health information

Please contact your software vendor, billing service or clearinghouse to make sure they are aware of your electronic preferences. Although BCBSTX does not charge a fee to provide the ERA/EPS files, your authorized agent, billing service, clearinghouse or other vendor may charge a fee for the services they provide to you. Your vendor may require that they receive the ERA on your behalf if they have the ERA component integrated in their software.

Note: You or your authorized billing agent (billing service or clearinghouse) must be registered with Availity®' to enroll for ERA. For more information on Availity, visit or contact 800-AVAILITY (282-4548) for assistance.

Electronic Payment Summary (EPS)

The companion to the ERA is the EPS, which is the electronic version of the paper Provider Claim Summary (PCS). The EPS is delivered in conjunction with your ERA, so you receive payment information in your office the day after the claim is finalized, depending on your payment cycle.

If you have designated a billing agent (billing service or clearinghouse) as the Receiver for your EPS, you should check with your receiver/vendor/clearinghouse to determine whether or not special software (such as Adobe Acrobat) may be needed to view the EPS file, once your vendor posts the file or delivers it to you.

If you currently receive the ERA, we recommend that you also use the EPS when reconciling your BCBSTX payments. The EPS cannot be used for automatic posting, however, and is only available in combination with the ERA.

For more detailed information, such as enrollment forms, answers to frequently asked questions and an Electronic Options Tutorial, visit the Claims and Eligibility/Electronic Commerce section of our Provider website. You may also call the Electronic Commerce Center at 800-746-4614 for assistance.

Availity is a registered trademark of Availity, L.L.C. Availity is an independent third party vendor.

BCBSTX makes no endorsement, representations or warranties regarding any products or services offered by third party vendors. The vendors are solely responsible for the products or services offered by them. If you have any questions regarding any of the products or services offered by the vendor, you should contact the vendor directly.