Massachusetts Medical Society: Electronic Funds Transfer (EFT): Virtual Credit Card Vs. Direct Deposit

Electronic Funds Transfer (EFT): Virtual Credit Card Vs. Direct Deposit

If you currently have a contract with Harvard Pilgrim Health Care, please note that it covers all of their subsidiaries, including Health Plans Inc.  Harvard Pilgrim Health Care’s subsidiary, Health Plans Inc., is offering physician practices credit cards or direct deposit as payment for their services.

Physicians should be aware of associated fees for each payment option.

What can practices do?

If you are in the Harvard Pilgrim network and see a Health Plans, Inc. member, you will receive a call from their vendor representative, Pay-Plus Solutions.  The representative will either walk you through the enrollment process for enabling automatic electronic funds transfer (ACH) or ask to enroll you in the virtual credit card payment option.  It is important to know that the choice is yours.  If appropriate to your practice, you may continue receiving checks. 

Many practices enroll in the virtual credit card payment option because they may not feel  comfortable providing their banking information or be able to verify bank account information over the phone. Please make sure that your administrative staff is informed about these options so that appropriate decisions can be made. You may view your enrollment options at or call Member Services at (877) 828-8834.

In order to identify the best payment option for your practice, you may want to ask a Pay-Plus Solutions representative the following questions:

  • What are the fees associated with the virtual credit card option?
  • What are the fees associated with the electronic funds transfer option (“ACH processing fees”)?
  • Are EOBs handled differently with virtual credit card vs. EFT?  If so, how?
  • What is the process for enrolling in the virtual credit card?
  • What is the process for enrolling in ACH?
  • What is the difference in timeframe for processing payments?

To enroll in the direct deposit Health Plans, Inc. option, you will need to take the following steps:

  1. Visit: log in with your username and password (“Member Login” button at the top right of the page).
    *If you do not have a username and password, contact Member Service by calling (877) 828 8834
  2. You will need your tax ID number, NPI number, bank account information, and Pay-Plus Solutions registration code to sign up for ACH
    *If you do not have a registration code, contact Member Services by calling (877) 828 8834
  3. Once registration is complete, for ACH you will need to wait 48-72 hours for Pay-Plus Solutions to verify your bank information. For Virtual Credit Card, you will most likely receive payments the same day.
  4. Once you start to receive payments, make sure that you are able to view and download your EOPs via the online portal or enroll in their other delivery options

For additional assistance, please contact the Physician Practice Resource Center (PPRC) at or call (781) 434-7702.

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