Get Quicker Access to Payments With ACH/Direct Deposit

UnitedHealthcare is here to help you adapt to our new normal with flexible, fast payment options. Our self-service tools, like automated clearinghouse ACH/direct deposit, are designed to help you get your payments quicker so you can keep working. Our goal is to help you continue to support and help others, and we know you need stabilized cashflow to do this.

Throughout the remainder of 2021, UnitedHealthcare will phase out sending paper checks for payments. If you haven’t already done so, please be sure to sign up for ACH/direct deposit, the preferred method of payment. If you do not sign up, you may receive payment through a virtual card.

Learn More About ACH/Direct Deposit?

Watch this short video for step-by-step enrollment instructions.

Important Information for Providers:

1. Merchant card processing fees may apply to virtual cards. Please reach out to your merchant processor or financial institution for information on specific terms and costs. 
2. Processing your virtual card indicates your consent to receive and accept virtual card payments as payment in full from the payer. 
3. Unspent funds for virtual cards are subject to state unclaimed property laws. 
4. Out-of-network providers in Florida, New Mexico, New York and Oregon, as well as all Colorado, Georgia and New Jersey providers, must consent to receive a virtual card payment. The processing of the virtual card is your consent to receive and accept virtual card payments. If you don’t consent, when you receive a virtual card, please call the number provided on your virtual card payment to arrange an alternative payment method. 
5. You will have the option of signing up for ACH/direct deposit, the preferred method of payment, or to receive a virtual card payment (virtual card). The only alternative to a virtual card is direct deposit. Both options allow you to get paid quickly and securely. The electronic payment solutions will roll out in phases throughout the year, with the first phase beginning mid-2021.

6. If your practice/healthcare organization is still receiving paper checks, you can enroll in ACH/direct deposit for your claim payments now. If you don’t elect to sign up for ACH/direct deposit, a virtual card will be automatically sent in place of paper checks. 
7. If your practice/healthcare organization is already enrolled and receiving your claim payments through ACH/direct deposit from Optum Pay or receiving virtual cards, there is no action you need to take. 
8. If you do not enroll in ACH/direct deposit and currently receive your correspondences electronically, your remittance and virtual card statement will be available online through Document Vault. A copy of the virtual card will also be mailed to you.
9. Because this initiative will roll out in phases, you may receive virtual card payments (VCP) for some claim payments and check payments for others (if not enrolled for direct deposit). 
10. When you’re paid is determined by when you process your payment on your point-of-sale terminal.
11. OptumHealth Financial Services, a UnitedHealthcare-affiliated company, provides payment services to the health care industry and offers various claim payment options. UnitedHealthcare-affiliated companies may receive transaction fees or other compensation related to some payment options.