Still Waiting for Your Insurance Payments? This Might Be Why.
It’s your girl, Amy P.—The Reimbursement Dietitian, and my mission is to simplify the wild world of insurance reimbursement for dietitians and CNSs everywhere.
Today, we’re talking about one of the most important (and often overlooked) parts of getting paid: your EFT setup.
Because here’s the truth—if your insurance payments never seem to hit your bank account, your Electronic Funds Transfer (EFT) might be the silent saboteur.
Let’s break down the three biggest EFT mistakes dietitians make—and how to fix them before your next reimbursement cycle.
Mistake #1: Not Knowing You Even Need to Set Up EFTs
You’d be shocked at how many dietitians assume that once they’re credentialed and start billing, the payments will magically appear in their accounts.
Spoiler alert: they won’t.
Each payer requires a separate EFT enrollment form, and if you skip this step, you’ll be waiting on paper checks (and yes, actual snail mail delays).
Some payers even send payments via V-Cards, which function like credit cards—but here’s the kicker: your processor (Square, Stripe, Stax, etc.) will take a cut in processing fees.
So please—don’t sleep on your EFT setup.
Make sure you enroll with every payer and always link it to your business checking account, not your personal one.
Mistake #2: Not Verifying Your EFT Enrollment
Submitting your EFT form isn’t the finish line—it’s just step one.
Most insurance payers require a verification step, sometimes referred to as a “test deposit” or “pre-note,” before live payments begin.
If you skip this, your claims can sit in limbo, get rejected, or even get rerouted to paper checks.
And trust me—waiting on those is no bueno.
Always confirm that your EFT enrollment is active by logging into your payer portal or calling provider services.
Mistake #3: Forgetting to Update Your EFT Info
Did you change banks, switch your business entity, or even update your name?
If so, your EFT information needs to be updated everywhere—or your payments could end up in the wrong place.
Even worse, some payers (like Medicare) won’t accept online-only banks.
They require a financial institution with a physical branch (think Chase, Wells Fargo, or Bank of America).
Amy P. Pro Tip: Set up a simple audit system to review your EFT details every 6–12 months or whenever you make changes to your business banking. A quick check can save you weeks of payment headaches.
Bottom Line
EFT errors are one of the easiest ways to mess up your cash flow—but the good news? They’re also one of the easiest to fix once you know what to look for.
If all this EFT, billing, and credentialing stuff makes your head spin, that’s precisely what my Reimbursement Coaching Program is for.
You’ll get step-by-step support on EFT setup, insurance credentialing, billing, and all the moving parts of reimbursement—so you can stop chasing payments and start getting paid what you deserve.
👉 Apply to The Reimbursement Dietitian’s Coaching Program here, yo!
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