Claim Payments: EFT and ERA
Electronic deposit of claim payments and automated electronic reports streamline payment processes to help providers get paid more quickly.
Enrolling in both ERA and EFT can help expedite the delivery of your payments from Cigna, make it easier to reconcile patient accounts, and much more.
What is an EFT?
Electronic Funds Transfer (EFT), also called direct deposit, transfers claim fee-for-service and capitated payments directly into your bank account. When you enroll in EFT, you can:
- Eliminate paper check mail delivery and handling.
- Access funds on the same day of the deposit.
- Increase efficiency and improve cash flow.
- View a separate remittance report online for each deposit, which shows the:
- Deposit transaction
- Details about the claims processed
- Payments included in that fund transfer
- Easily reconcile payments using a single remittance tracking number:
- Ask your bank to provide the payment related information from field 3 of record 7 on the EFT report they send to you
- "Reference Identification Field" (or TRN02) on your ERA
- Number located on the first page of your online remittance report
How Do I Enroll?
- Log in to
CignaforHCP.com - Select Working with Cigna
- Select Enroll in Electronic Funds Transfer (EFT) Options
- Complete the electronic enrollment form
Cigna then will send a "pre-note" transaction to your bank to verify all the banking information is correct. If the pre-note is:
- Not returned to Cigna: You will begin receiving EFT on your next payment cycle
- Returned to Cigna with errors: Cigna will contact you to obtain correct banking information
To check the status of your EFT application:
- Log in to
CignaforHCP.com (if you have not registered yet you will need to do so) - Select Working with Cigna
- Select Manage EFT Settings
For more details and vendor requirements, go to the
What is an ERA?
Electronic Remittance Advice (ERA) provides a HIPAA-compliant detailed explanation of how Cigna processes claims from health care providers. ERA can be automatically loaded into your accounts receivable system. If you enroll in ERA, it can help you:
- Reduce costs and save time.
- Reduce posting errors.
- Shorten the payment cycle.
How Do I Enroll to Receive ERAs?
- Notify your
EDI vendor or Post-n-Track® that you would like to enroll for Cigna ERA. - Provide enrollment information as instructed by your EDI vendor or Post-n-Track (if you use more than one TIN, complete a separate enrollment for each TIN).
- Your EDI vendor or Post-n-Track will send the completed enrollment information to Cigna for processing; Cigna will finalize your registration within 10 business days of receiving it.
- You may begin receiving ERAs on your next payment cycle
For more details, visit
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Individual and family medical and dental insurance plans are insured by Cigna Health and Life Insurance Company (CHLIC), Cigna HealthCare of Arizona, Inc., Cigna HealthCare of Illinois, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of North Carolina, Inc., Cigna HealthCare of South Carolina, Inc., and Cigna HealthCare of Texas, Inc. Group health insurance and health benefit plans are insured or administered by CHLIC, Connecticut General Life Insurance Company (CGLIC), or their affiliates (see
All insurance policies and group benefit plans contain exclusions and limitations. For availability, costs and complete details of coverage, contact a licensed agent or Cigna sales representative. This website is not intended for residents of New Mexico.