National medical credentialing & payer enrollment
ProCred

Payer Enrollment Services

Credentialed, but the claims still bounce? It happens more than you would think. Credentialing proves you are qualified. It does not put you in network. Until you are enrolled and contracted with each payer, you are out of network, and the money stays stuck.

Payer enrollment is the step that fixes that. It registers and contracts you with each insurance plan so you become an in network provider and actually get paid for the care you deliver. Our payer enrollment services run that whole process for you, across Medicare, Medicaid and commercial plans, right down to the electronic payment setup most people forget about. It is one piece of the wider medical credentialing services we run for providers and groups.

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hero — provider and enrollment specialist reviewing a payer list

What payer enrollment actually is

Three words get tangled together, so let's untangle them.

Credentialing is the verification step. A payer confirms your license, training and history are real and current. Payer enrollment is the registration step that adds you to that payer's network. Contracting is the agreement inside enrollment that sets your effective date and your fee schedule. You usually need all three, in that order, and enrollment is where most of the in network work happens.

Want the plain English background on the verification side first? Start with provider credentialing, then come back here for the enrollment piece.

The payers we enroll you with

Every payer family works a little differently, and each application is separate.

Medicare. Enrollment runs through PECOS using the CMS 855 forms. We handle the submission, your reassignment of benefits and the bank setup.
Medicaid. Each state runs its own program, its own portal and its own rules, so a provider working in several states files several applications. We track which state needs what.
Commercial plans. Aetna, Cigna, UnitedHealthcare, Humana and the Blue Cross Blue Shield plans each have their own forms, and most pull your data straight from CAQH.

Need the deep background on the federal side? Our Medicare enrollment guide walks through PECOS and the 855 forms in detail.

Payers we handle
Every payer you bill
MedicareMedicaidCommercial plansMedicare AdvantageManaged care

The payer enrollment process, step by step

Here is what it looks like when we run it for you:

1
Build or update your CAQH profile, since most commercial payers pull their data from it.
2
Submit a separate application to each payer you want to bill, because Medicare, Medicaid and every commercial plan use their own forms and portals.
3
Primary source verification, where the payer confirms your credentials directly with the issuing source.
4
Committee review, where the payer reads the file and approves participation.
5
Contracting, where you get the participation agreement, the fee schedule and your effective date.
6
EDI, ERA and EFT setup, so claims go out and payments come back electronically.
7
Go live, with a clean handoff to your billing team.

Your CAQH profile sits under most of this. If you need it built or kept current, see CAQH registration.

Enrollment, step by step
  1. 1Build or update your CAQH profile
  2. 2Apply to each payer
  3. 3Primary source verification
  4. 4Committee review
  5. 5Contracting & effective date
  6. 6EDI / ERA / EFT setup
  7. 7Go live

Your payer enrollment checklist

Enrollment stalls over missing paperwork more than anything else. Have these ready and the file moves:

Active state license, plus every other state you practice in
NPI number, type 1 for the provider and type 2 for the group, registered through NPPES
DEA registration, if you prescribe
A current CV with full work history, reverse chronological, with any gap longer than 90 days explained
Board certification details
Malpractice insurance, with coverage and any claims history
A complete CAQH profile, attested and current
Voided check or bank letter for EFT, so payments deposit straight to your account
Enrollment checklist
  • License
  • NPI
  • DEA
  • CV
  • CAQH
  • EFT bank info

How long payer enrollment takes

Timelines depend on the payer, not on how fast you sign forms. These are industry typical ranges, not a promise:

Medicare through PECOS: about 30 to 90 days for a clean submission
Medicaid: about 30 to 60 days, depending on your state
Commercial payers: about 60 to 120 days

A clean, complete file moves toward the faster end. One missing document or an unexplained gap can push it out for months. Most of our job is keeping yours in the first group. Any timeline we commit to for your engagement, we put in writing company specific turnaround commitment.

Contracting and your effective date

Once you pass review, contracting begins. The payer sends a participation agreement with your fee schedule and, the part that really matters, your effective date. That date is the line in the sand. Claims for care delivered before it usually do not pay.

Here is the honest part, the one a lot of practices learn the hard way. Commercial payers rarely backdate a contract, so care you provide before the effective date often goes unpaid. Medicare is a little different. It allows retrospective billing for a limited window, up to 30 days before the effective date in some cases, when the rules are met. We tell you what to expect up front, so you are not counting on money that will not arrive.

EDI, ERA and EFT setup

Getting contracted is not the finish line. You still have to wire up the electronic plumbing, and this is the step rivals skip:

EDI sets up electronic claim submission, the 837, through your clearinghouse, so claims actually reach the payer.
ERA registers you to receive the 835 electronic remittance, so payment detail posts back to one clearinghouse instead of getting lost.
EFT connects your bank, so reimbursement deposits straight into your account.

Each one is its own enrollment, per payer, and ERA in particular has to be linked to the right clearinghouse or the files vanish. We handle all three, so your first claim after go live actually pays.

What we handle for you

This is where outsourcing earns its keep. Here is the scope we own:

Building, updating and attesting your CAQH profile
Preparing and submitting applications to every payer on your list, across Medicare, Medicaid and commercial plans
Coordinating primary source verification
Following up with payers so your file does not sit in a queue
Managing contracting and confirming your effective date
Setting up EDI, ERA and EFT
Reporting status, so you always know where each application stands

What you supply is simple. Your documents, your signatures where a form needs them, and the list of payers you want to join. We do the rest.

phone

specific proof points — providers enrolled, payers contracted, years in business.

Already enrolled and just need to stay that way? Enrollment is not one and done. Payers revalidate on a cycle and CAQH has to be re attested regularly. See credentialing renewals to keep everything from lapsing.

FAQ

Frequently asked questions

Credentialing verifies that a provider is qualified, checking license, education, board certification and history. Payer enrollment registers and contracts that provider with a specific insurance plan so they are in network and claims get paid. You usually need both, and we handle both.

Contracting is the agreement step. After a payer approves you, it sends a participation contract that sets your reimbursement fee schedule and your effective date. Signing it is what makes you a participating, in network provider.

Industry typical ranges run about 30 to 90 days for Medicare through PECOS, 30 to 60 days for Medicaid depending on the state, and 60 to 120 days for commercial payers. Missing documents can stretch any of these out.

A state license, NPI, DEA if you prescribe, a current CV with full work history, board certification, malpractice coverage and claims history, a current attested CAQH profile, and a voided check or bank letter for EFT.

Usually not. Commercial payers rarely backdate, so care before the effective date often goes unpaid. Medicare allows retrospective billing for a limited window, up to 30 days prior in some cases, when the rules are met.

Yes, if you want claims and payments to flow electronically. EDI sets up electronic claim submission, ERA delivers the electronic remittance to your clearinghouse, and EFT deposits payment to your bank. We set up all three.

Ready to get in network and paid? Send us your payer list and your states, and we will scope the enrollment.

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*ProCred — national medical credentialing and payer enrollment for providers, groups and facilities across the United States.*

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