Delta Dental of California, Delta Dental Insurance Company, Delta Dental of Pennsylvania and affiliates
Delta Dental of California, Delta Dental Insurance Company, Delta Dental of Pennsylvania and affiliates
Simplify payments with EFT
Reduce administrative burden with EFT, so you can focus on what matters most — your patients.
Delta Dental of California and affiliates¹ are committed to being trusted partners to the dental community. We’re focused on reducing administrative barriers, so you can focus on what matters — your patients and your practice. We’ve listened as providers have shared the importance of digital solutions in running their practices more efficiently. That’s why we’re moving toward a digital-first approach.
Starting on January 1, 2027, electronic funds transfer (EFT) will be Delta Dental’s standard method of payment. Practices who have chosen not to enroll in EFT and elect to continue to receive paper checks will incur a weekly $15 processing fee.²,³
Consider switching to fast, secure payments with EFT
EFT is a simple, fee-free alternative to paper checks. With EFT, Delta Dental deposits payments directly into your bank account, reducing processing times, administrative costs and security vulnerabilities compared to paper checks.
EFT payments are:
- Fast. Payments won’t be delayed in the mail, and provider claim statements (also called digital remittance advice) are posted to Provider Tools the same day you’re paid.
- Efficient. Spend less time on administrative work, with no more handling or manually depositing paper checks.
- Secure. EFT lets you avoid lost, stolen or damaged checks in the mail, and your information is protected with modern cybersecurity practices that help detect and prevent fraud.
- Environmentally friendly. Direct deposit significantly reduces paper use across the ecosystem.
How does EFT work?
Receive deposits
Once you’re enrolled, payments will be electronically deposited into your bank account.
Get notified
You’ll receive an email notification whenever you get a direct deposit from us.
See payment details
Review payment details in Provider Tools immediately, and see all your practice’s claim information instantly, anytime.
Reconcile payments
Use the My Payments section in Provider Tools to quickly and efficiently reconcile payments and claims.
Say “yes!” to EFT
Don’t let common misconceptions keep your practice from using EFT, a faster, easier and more secure payment method than paper checks.
Is EFT free?
Yes! There are no fees on EFT payments from Delta Dental.
Is EFT secure?
Yes! Enrolling in EFT does not give Delta Dental access to withdraw money from your account.
Is it easy to enroll in EFT?
Yes! Enrolling is simple, easy and fast in Provider Tools.
Is reconciliation easy with EFT?
Yes! Reconciliation is streamlined with digital remittance advice available in Provider Tools.
Get started with EFT
Choose fast, easy, secure and free payments when you enroll in EFT today.
If you’re located in a state where our Delta Dental companies administer benefits, you’ll enroll in Provider Tools.
These states are: AL, CA, DC, DE, FL, GA, LA, MD, MS, MT, NV, NY, PA, TX, UT and WV.
In a different state?
Enroll via your local Delta Dental member company and opt in to national sharing. Providers can also update existing local enrollment to change to national share.
- Log in to your Provider Tools account. Don’t have one yet? Creating an account is easy.
- Select the EFT and ERA icon on the Provider Tools homepage to start enrolling.
- Follow the prompts on screen. You’ll need to provide some basic information about your practice and financial institution.
- Get ready for EFT. Your enrollment will go into effect once all the required information has been received and processed. This may take 2 to 4 weeks.
Need more detailed instructions? Check out the enrollment guide for step-by-step instructions and answers to frequently asked questions.
For additional help, email providertools@delta.org.
Electronic Funds Transfer and Remittance Advice
Updates effective January 1, 2027
Delta Dental’s Electronic Funds Transfer (EFT) and Electronic Remittance Advice (ERA), an enhanced payment service, allows us to electronically transfer funds quickly and directly into a pre-selected bank account. ERA replaces your paper claim statements and electronically posts claim payments into your patients’ accounts.
Acknowledgement
Direct deposit or electronic funds transfer is also known as EFT. Any payments resulting from a Delta Dental adjudicated claim are deposited directly into the financial institution account you indicate during the enrollment process. Please note, if you are making changes (updates or cancellations) to existing EFT account information, the processing time for the new information to take effect can take up to 2 weeks. This may result in delayed payments.
You understand that editing of the EFT/ERA protocols should only be done by someone who is approved to make these updates. Making updates or canceling a current EFT/ERA may result in delayed payments.
By enrolling in EFT, you authorize Delta Dental and its affiliates¹ (“Delta Dental”), and any third-party administrator, payment processor, or other vendor (each, a “Payment Administrator”) engaged by Delta Dental to facilitate claims payments, remittance advice, payment reconciliation, or other payment-related administrative services (“Payment Services”), to initiate credit entries to the institution and financial account specified. You further authorize Delta Dental to disclose your EFT information (including bank name, routing number, account number, tax identification number, and any other information reasonably necessary to initiate and reconcile electronic payments, including ACH transfers) to Payment Administrators solely to perform Payment Services on Delta Dental’s behalf. No Payment Administrator may use EFT information for marketing, solicitation, cross-selling, or any other purpose unrelated to Payment Services performed for Delta Dental.
You have received and reviewed the Missing EFT/ERA Procedure document. You consent to the accompanying procedure that is outlined in that document, which will follow in the event of missing or late EFT/ERA.
By submitting your information online, you agree that it constitutes your electronic signature and is legally binding to the same extent as a handwritten signature. You further agree that no certification authority or other third-party verification is required for the validity or enforceability of your electronic signature or any resulting agreement with Delta Dental or its affiliates. This authorization will remain in effect until revoked by an authorized individual.
When your office registers to participate in EFT, you will start receiving claim statements electronically. We will no longer mail paper copies of claims statements to the registered office’s address. You will receive an alert at the email address on file and claim statements may be accessed through your Provider Tools account.
¹ Delta Dental and its affiliates include Delta Dental of California, Delta Dental Insurance Company, Delta Dental of Pennsylvania, Delta Dental of the District of Columbia, Delta Dental of Delaware, Inc., Delta Dental of West Virginia, Inc., Delta Dental of New York, Inc., Dentegra Insurance Company, and others under the same holding company.
¹ EFT as a standard method of payment applies to Delta Dental companies in these states: Delta Dental of California — CA, Delta Dental of the District of Columbia — DC, Delta Dental of Pennsylvania — PA & MD, Delta Dental of West Virginia, Inc. — WV, Delta Dental of Delaware, Inc. — DE, Delta Dental of New York, Inc. — NY, Delta Dental Insurance Company — AL, DC, FL, GA, LA, MS, MT, NV, TX and UT. Applicable networks include: Delta Dental PPO™, Delta Dental Premier®, Delta Dental Medicare Advantage™ PPO, Delta Dental New York Select PPO and Delta Dental New York Select.
² Where consistent with state law
³ The check processing fee is a separate administrative charge for providers who elect to remain on a paper-based payment method, and does not constitute a reduction in, or amendment to, reimbursement rates for services rendered.