The Office of the Comptroller and the Office of the State Treasurer have mandated that all providers enrolled in MassHealth, including individual practitioners who will receive payments directly, participate in EFT. EFT payments are automatically deposited into a designated bank account. They are less expensive to process, highly dependable in getting deposited into a provider’s account, and processed in a secure manner. EFT is helpful in streamlining operations by reducing paperwork, and it functions as a convenient and effective electronic method of reimbursement.

MassHealth is committed to having 100% compliance to EFT. All providers are expected to be paid via electronic direct deposit. In addition, EFT participation is now required when a provider submits a new enrollment application to MassHealth. The EFT Form will be processed upon enrollment.

Individual practitioners who are enrolled/enrolling as part of a group practice and will not submit claims for payment under their individual national provider identifier (NPI) must enroll with MassHealth as a “no pay” provider. EFT is not required. Enrolling as a “no pay” provider also eliminates the requirement of submitting the Massachusetts Substitute W-9, Data Collection Form (DCF), and Trading Partner Agreement. Applicants submitting paper applications should write “no pay” in Section I of the application, to the right of Field 11. Those submitting applications via the Provider Online Service Center (POSC) must include a “no pay” statement when they submit the Provider Agreement.

Applications received without an EFT form or “no pay” designation will be returned to the provider for completion. Documents not returned within the 14-day enrollment period will be denied.

Exceptions to this mandate are not expected.

To ensure proper form completion, follow these guidelines.

  • Access the EFT/Direct Deposit application online from the MassHealth homepage (, then click the link MassHealth Provider Forms in the Publications panel, and select EFT/Direct Deposit Application (EFT-1). Note: This is the only acceptable form for a MassHealth provider application for electronic payment.
  • Visit the MassHealth EFT Web page. Go to, click on the Information for MassHealth Providers link, then MassHealth Claims Submission, and then Electronic Funds Transfer (EFT)/Direct Deposit.
  • Mail the hard copy of the completed EFT form to MassHealth with your original signature. Copies and faxes are not acceptable.
  • Include the following documentation:
    • a voided check. Note: The voided check must include a preprinted provider name and address. This area cannot be blank, handwritten, or stamped. Note: A bank deposit form is not acceptable in lieu of a voided check; or
    • a bank letter that includes the bank name, provider name, bank account number, and routing number. If the Tax ID is detailed on the bank letter, it must match the Tax ID on the EFT form and MassHealth provider file or enrollment documentation. Note: The bank transit routing number (ACH ABA number) is generally not included on the bank statement. Note: The wire transfer number is not needed. These numbers must match the information provided on the check or bank attachment(s); or
    • a bank statement from the designated account. Note: A bank statement details the bank name, provider name, and bank account number only. Note: A bank deposit form is not acceptable in lieu of a bank statement.
  • Providers must complete the authorized-signature (and date) field on the EFT form. An original signature of the individual provider or authorized signature of the business is required. Note: The Commonwealth requires town treasurers to sign EFT requests for the town’s EFT forms.
  • Mail your signed completed form to the following address.            

MassHealth Customer Service
Attn: Provider Enrollment and Credentialing
P.O. Box 9162
Canton, MA 02021

  • Dental providers should mail their signed, completed form and required documentation to DentaQuest at the following address.

MassHealth Dental Program
Attn: Provider Enrollment and Credentialing
12121 N. Corporate Parkway
Mequon, WI 53092

The following job aid has been developed to assist providers in reconciling MassHealth payments and the data provided by MassHealth, from both the remittance advice and the 835 health-care payment/advice.