Provider Payment Options

Delta Dental of New Jersey and Connecticut has switched from our previous payment process to a new vendor relationship with Optum Financial / ECHO Health.

We offer multiple no charge and fee-based payment options through our partner, ECHO Health, including the convenience of direct deposit as well as other fast and secure payment options.

If you have not already selected a payment choice, you will receive a virtual credit card as the default payment option. Normal merchant transaction fees apply. (See Virtual Credit Card section below for payment details.) If you wish to change the way your payments are issued, please contact ECHO Health to select the payment option that you prefer from the choices below. Please note that changing payment options may take up to several weeks, depending on the selection you choose.

Please contact ECHO Health at (800) 813-9957 if you have questions or would like to change your payment option.

To see all payments issued by ECHO Health, please visit the ECHO Health provider portal.

Payment Options

Virtual Credit Card 

If you are not currently registered to receive payments electronically from Optum Financial and ECHO Health, Inc., you will receive virtual credit card payments with your Explanation of Payment. If you have a HIPAA-certified fax number on file, your office will receive fax notifications; if not, your virtual card will be mailed. 

Each notification will contain a virtual credit card (with a number unique to that payment transaction) and processing instructions. Be sure to process the full amount of the card's value prior to the expiration date on the card. Normal merchant transaction fees apply.

What you need to do:

This is the default payment option; no action is necessary. To manage your virtual credit card payment, you will need your Tax ID and a verification access code that you will receive from ECHO Health. If you do not receive the code, please contact ECHO Health at (800) 813-9957.

EFT Payments 

To set up EFT payments, you will need to provide your bank account information, an Optum Financial payment draft number, and a payment amount as part of the enrollment authentication. 

Please note: Payments will appear on your bank statement from Huntington National Bank and ECHO as “HNB – ECHO.”

What you need to do:

• Sign up to receive EFT from all payers processing payments on the ECHO Health platform. A fee for this service may be required.
• Sign up to receive EFT through Settlement Advocate for Delta Dental of New Jersey only. No Fees apply.

Medical Payment Exchange (MPX)

MPX is an electronic payment delivery method that offers a variety of payment options, including the ability to:

• Convert provider checks into a real-time Virtual Credit Card (Normal transaction fees apply)
• Enroll in ACH for all future payments (Fees apply if all payer is selected)
• Print the check on your local printer (No fees apply)

What you need to do:

If you are not enrolled to receive payments via EFT and opt out of virtual credit card payments, you may receive a fax or emailed offer to enroll for MPX when you have a payment available.

Note: If you have enrolled for MPX with another payer, you must opt out of virtual cards with Delta Dental of New Jersey to receive your payments in your MPX portal account for Delta Dental of New Jersey.

Paper Check

You can choose to receive paper checks and paper explanation of payments using your Tax ID and the verification access code provided by ECHO Health. If you do not receive the code, please contact ECHO Health at (800) 813-9957. No fees apply.

835 Electronic Remittance Advice (ERA)

Providers who enroll for EFT payments will continue to receive the associated ERAs from ECHO Health with the Optum Financial Payer ID. If you have not already done so, please make sure that your Practice Management System is updated to accept the Optum Financial Payer ID: 22189. All generated ERAs will be accessible on the ECHO Health provider portal. 

Changes to ERA enrollment or distribution can be made by contacting the ECHO Health Enrollment team at (440) 835-3511.

Need more information?

You can access a detailed explanation of payment for each transaction.

If you have any difficulty with the website or have additional questions, please call ECHO Health at (800) 813-9957.

Managing Your National EFT with Delta Dental of New Jersey & Connecticut

For assistance with receiving EFT payments from other Delta Dentals, please contact Professional Relations.

IMPORTANT: Changes to Tax ID or Bank Info

If your Tax ID number or banking information related to the National EFT program changes, you will need to take the actions below

1. Notify ECHO Health of the changes
2. Notify Delta Dental of New Jersey and Connecticut of the changes by contacting us at (888) 396-6641