Electronic payments required for UnitedHealthcare Community Plans

We’re no longer sending paper checks for health care professional payment, where not prohibited by law. Instead, you’ll have 2 options for receiving payment from UnitedHealthcare.

1. Automated Clearing House (ACH) /direct deposit online

Impacted states:

The following states are already effective for electronic payments: California, Hawaii, Maryland, Massachusetts, Michigan, Missouri, Nebraska, North Carolina, Ohio, Oklahoma, Pennsylvania, Rhode Island, Tennessee, Texas, Virginia, Washington and Wisconsin

ACH/direct deposit

Direct deposit is the preferred method for electronic payments. You’re able to get funds directly into your account without waiting.

Optum Pay offers you a choice between basic level features to manage your payments at no charge and a premium level version with expanded features for a low monthly fee. Access the version that best fits your practice needs.

Virtual card payment

If you don’t sign up for ACH/direct deposit, you'll receive a virtual card payment. Virtual card payments are electronic payments that use credit card technology to process health care claim payments. A 16‐digit, single-use virtual card will be issued for payment (single or multiple claims) a care provider organization receives.

You can enroll in ACH/direct deposit even after receiving a virtual card payment. However, ACH/direct deposit will only be for future payments and cannot be applied to payments previously made.

Get ready

Visit or view our Frequently Asked Questions document for more information.

In Colorado, Georgia and New Jersey, if you do not consent to receive virtual card payments and you don’t want to set up direct deposit, call 877-548-0460 to receive a paper check. If you are an out-of-network provider in Florida, New Mexico, New York or Oregon, and you do not consent to a virtual card payment or you don’t have direct deposit, call 877-548-0460 to receive a paper check.