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Our customer Service Center is experiencing technical difficulties this morning 6/30/25, and is currently unable to take calls. Please use online services until further notice. We apologize for any inconvenience.

Provider Payment Options

We've partnered with Optum Financial and ECHO Health

Payment Options for Delta Dental of New Jersey and Connecticut

Delta Dental of New Jersey and Connecticut has switched to a new payment process through Optum Financial / ECHO Health. We offer multiple payment options, including no-charge and fee-based services.

Important: If you haven't selected a payment option, you'll receive a virtual credit card by default (normal merchant terminal fees apply). To change your payment method, contact ECHO Health at (800) 813-9957.

View all payments: Visit the ECHO Health provider portal

Payment Options

Virtual Credit Card

Virtual credit cards are the default payment method if you're not registered for electronic payments. You'll receive notifications via HIPAA-certified fax or mail.

What you need to do:

  • No action required for default option
  • If you would like to opt out and select another payment option, or you've received a letter and have not received a payment, please visit https://echovcards.com/letter. You'll need your Tax ID and the verification access code from the letter. The access code will expire on June 6, 2025.
  • If you would like to opt out and you've received a virtual credit card payment, you can select a different payment option by visiting https://echovcards.com. You'll need your Tax ID and the ECHO Health draft number from the payment.

EFT Payments

For direct deposits, you'll need to provide bank account information, an ECHO Health payment draft number, and payment amount during enrollment.

Note: Payments will appear on your bank statement as "HNB – ECHO" from Huntington National Bank.

What you need to do:

Medical Payment Exchange (MPX)

MPX offers you the opportunity to receive instant delivery electronic checks or choose to convert payments into either virtual credit card or EFT payments (fees may apply). 

What you need to do:

  • If not enrolled in EFT and opted out of virtual credit cards, you may receive enrollment offers via fax or email.
  • Note: If enrolled in MPX with another payer, you must opt out of virtual cards with Delta Dental of New Jersey.

Paper Check

What you need to do:

  • Please see the above Virtual Credit Card section on how to opt out and select another payment option.
  • You will also need to opt out of MPX, should you receive a fax/email MPX offer.
  • No fees apply

835 Electronic Remittance Advice (ERA)

EFT-enrolled providers will receive ERAs from ECHO Health with Optum Financial Payer ID: 22189.

What you need to do:

  • Update your Practice Management System to accept Payer ID: 22189
  • Access ERAs on the ECHO Health provider portal
  • For ERA changes, contact ECHO Health Enrollment: (440) 835-3511

Payment Method Comparison

Payment Method Speed Fees
Virtual Credit Card Fast Merchant transaction fees apply
EFT (All Payers) Fast Possible fees
EFT (Settlement Advocate) Fast No fees
MPX Fast Varies
Paper Check Slow No fees
ERA (for any payment method) Fast No additional fees

Frequently Asked Questions

What happens if I don't select a payment option?
If you don't select a payment option, you'll automatically receive payments via virtual credit card (the default option). Normal merchant terminal fees apply to virtual credit card acceptance. You may select another payment option as explained above.
How long does it take to set up EFT payments?
EFT payment setup is generally completed within 10 business days, but may take up to 30 days if additional validation requirements are requested. During the transition period, you may continue to receive payments via your previous payment method.
What is the difference between the two EFT options?
There are two EFT enrollment options:
  1. All Payer EFT - One-time enrollment to receive payments from all current and future payers on the ECHO Health platform (may include fees).
  2. Enrollment for DDNJ Only - Single enrollment for Delta Dental of New Jersey payments only. This option carries no fees. 
How do I access my EOB, now referred to as Explanation of Payment (EOP)?
You can access your Explanation of Payment (EOP) through the ECHO Health provider portal. This portal allows you to view detailed payment information for all transactions processed through ECHO Health.
What should I do if my Tax ID changes?
If your Tax ID changes, you must:
  1. Notify ECHO Health of the changes by logging on to the ECHO Health provider portal. Once logged in, select the "Providers Resource" tab and find the "Submit W-9" update form. Once submitted, please allow 5-7 business days for processing by ECHO Health. If you have any questions, please call (888) 834-3511 (option 3).
  2. Notify Delta Dental of New Jersey and Connecticut by calling (888) 396-6641
Failure to update both entities could result in payment delays or issues.
What should I do if I'm enrolled in EFT with ECHO Health and I have a banking update?
For the fastest turnaround, please submit banking updates by logging on tothe ECHO Health provider portal. Once logged in, select the "Providers Resource" tab and find the Online Bank Update form to submit your request. Once submitted, please allow 5-7 business days for processing by ECHO Health. If you have any questions, please call (888) 834-3511 (option 3).

Need More Information?

Access detailed payment explanations at the provider portal. For questions, call ECHO Health: (800) 813-9957.

Managing Your National EFT with Delta Dental of New Jersey

For assistance with EFT payments from other Delta Dental companies, contact Professional Relations.

IMPORTANT: Changes to Tax ID or Bank Info

If your Tax ID or banking information related to the National EFT program changes, please notify Delta Dental of New Jersey and Connecticut at (888) 396-6641.