NACHA Healthcare

Learn about healthcare payments via ACH

Standards for Healthcare Electronic Funds Transfer and Electronic Remittance Advice

This National Automated Clearing House Association (NACHA) rule supports the health plans' and healthcare providers' use of the ACH network for healthcare claims payments and payment-related information. The rule includes processing enhancements that address specific transaction identification and formatting requirements for healthcare claim payments in support of the Patient Protection and Affordable Care Act (PPACA).

Learn about BB&T Medical Data Lockbox


In July 2012, the US Department of Health and Human Resources (HHS) finalized the Adoption of Standards for Healthcare Electronic Funds Transfer (EFTs) and Electronic Remittance Advice (ERAs). These standards are designed to assist providers of healthcare services with reconciling an electronic payment with the electronic remittance by connecting these through a trace reassociation number (TRN).

For more detail, go to the NACHA websiteNACHA website (opens in a new tab).

How BB&T can help you

BB&T passes TRN information to your bank statement free of charge. This information will be available on a next-day basis and will contain the first 57 characters of the addenda record.

BB&T has a number of channels for you to receive information with TRN details:

  • CashManager OnLine® Current Day and Previous Day Reporting
  • Small Business Online Account History page
  • BAI Data Transmission

For more information, contact us at 800-774-8179.

Glossary of Healthcare terminology within the NACHA operating rules

ASC: Accredited Standards Committee

CAQH: Council on Affordable Quality Healthcare

CCD: Corporate Credit or Debit

CORE-Required Minimum CCD+ Re-association Data Elements:

  • Information transmitted by a health plan to a healthcare provider for the purpose of re-associating a healthcare EFT transaction with an electronic remittance advice.
  • CORE-Required Minimum CCD+ Re-association Data Elements includes:
    • Effective Entry Date field
    • Amount field
    • Payment Related Information field of the CCD Entry

CTX: Corporate Trade Exchange

EFT: Electronic Funds Transfer

Electronic Remittance Advice (ERA): An electronic file that is sent from the health plan payer to the healthcare provider that can be used to post and close accounts receivable. This is called an ERA or sometimes referred to as an Explanation of Benefits (EOB).

Government programs: The government may also act as the insurer under sponsored programs such as:

  • Medicare – 65 or older or certain disabilities
  • Medicaid – Low income individuals and families
  • Tricare – Uniformed service members, retirees and their families

HHS: US Department of Health and Human Services

Healthcare EFT transaction: A CCD+ Entry originated by a health plan to a healthcare provider with respect to a healthcare claim payment. Under this definition, a healthcare EFT transaction must include one addenda record that contains 835 TRN data segment within the Payment Related Information field.

Health plan:

  • An individual or group plan that provides, or pays the cost of, medical care.
  • The insurance company receives the claim from the service provider and determines eligibility, compensation rate for the provider, deductibles and co-pays. The insurance company makes payment to the provider, and sends an EOB statement to the patient and or the provider. Some examples are Blue Cross and Blue Shield, Aetna, United Healthcare and Kaiser Permanente.

Healthcare provider: A provider of medical or health services, and any other person or organization who furnishes, bills or is paid for healthcare in the normal course of business.

HIPAA: The federal law that protects personal medical information and recognizes the rights to relevant medical information of family caregivers and others directly involved in providing or paying for care.

Medical clearinghouses: Aggregators (senders and receivers) of mountains of medical claim information almost all of which is managed by software.

Tilde (~) Data Segment Terminator: Indicates the end of any data segment carried in the addenda record of the CCD Entry (alternative to backslash). The tilde is commonly used in the healthcare industry to indicate the end of a healthcare data segment.

ODFI: Originating Depository Financial Institution

RDFI: Receiving Depository Financial Institution


Need more information?

View frequently asked questions to learn more.

Ready to get started?

By email

Have a Treasury Management representative contact you.

By phone

Got questions?


Related services


Maximize the strengths of your company with solutions and suggestions to improve your financial operations.


Choose a payment processing option that suits your company today and as it grows.

Treasury Management

Optimize your company's liquidity, make sound investments for the future and reduce your financial risks with an array of treasury management options.

Branch Banking and Trust Company, Member FDIC.