HealthChoice Optum Pay or Zelis: Check Your EFT Route
By George Ruan • October 9, 2026
As of October 9, 2026. Oklahoma HealthChoice still documents an Optum Pay EFT route, but its Winter 2026 notice adds Zelis alongside Optum Financial from February 1, 2026. Read the enrollment combination before assuming your next UMR-administered payment will use the old vendor.
Sections
UMR is the administrator; the payment vendor can differ
HealthChoice’s policies and guidelines identify UMR claim processing and Optum payment/remittance services. HealthChoice uses payer ID 71064; DOC/DRS use 71065. Keep these plan-specific identities separate instead of using a generic UMR enrollment for every Oklahoma payment.
What changed in February 2026?
The 2026 vendor notice says Optum ACH alone remains Optum ACH. A provider enrolled in both Optum ACH and Zelis ACH+ routes to Zelis ACH+. Existing Zelis virtual-card enrollment without Optum enrollment can produce Zelis card payments. Other combinations have their own rows; check the published matrix for yours.
That is a routing rule, not a statement that Zelis ACH+ is free or that all UMR payments moved. Before enrolling with an additional vendor, ask what that enrollment changes for this plan and review the offered terms.
Optum Pay EFT enrollment for HealthChoice
Confirm the practice’s current enrollment combination against the HealthChoice matrix.
For the Optum route, use HealthChoice EFT instructions and the linked Optum enrollment process.
Prepare the correct legal/TIN and bank information with the authorized practice contact. Avoid creating a duplicate enrollment.
Check Basic/Premium and biller-access needs in the Optum Pay hub before choosing portal services.
Verify the vendor, deposit account and matching remittance on the next payment. Track a pending card separately from future enrollment.
Select the practice enrollment classification
Only if the HealthChoice routing matrix calls for Optum Pay, select “I am enrolling as a Healthcare Organization.” A third-party billing service uses the other classification. This crop comes from the direct-deposit guide currently linked on Optum’s enrollment page, revised June 2022; follow the live application if its layout changes. Optum enrollment screen guide.
Screenshot source: Optum Pay direct deposit enrollment guide (June 2022), page 2.
Select direct deposit for the ACH enrollment
For ACH, select “I would like to enroll in direct deposit (ACH) only.” This payment choice is separate from portal access pricing. Check the current payer eligibility and Premium terms before completing enrollment; the guide’s older feature list does not establish today’s Basic or biller-access benefits. ACH selection guide; 2026 fee and access FAQ.
Screenshot source: Optum Pay direct deposit enrollment guide (June 2022), page 2.
Confirm remittance delivery as well as the deposit
HealthChoice’s remittance guidance distinguishes Optum Pay ERA access from clearinghouse delivery. Confirm payer ID 71064 for HealthChoice, and verify the file reaches your posting workflow. A correct bank credit with no usable remittance still needs reconciliation work.
If fees appeared after a vendor change
Save the new vendor notice and payment reference. Identify whether the charge came from the merchant processor, a Premium invoice, or a Zelis service. Ask the charging company to explain the exact plan and terms. Do not assume a prior fee arrangement carries over when the payment route changes.
HealthChoice’s 2026 notice lists Optum Pay at 877-620-6194 and Zelis Payments at 877-828-8770 for EFT questions. Use the support route for the actual vendor on the payment.
Related guides
Frequently Asked Questions
Did every HealthChoice payment move from Optum to Zelis?
No. The 2026 notice provides a matrix based on existing vendor enrollments. Optum ACH-only remains Optum ACH.
Is Zelis ACH+ the same as free Optum Pay Basic?
Do not assume that. Check each service’s terms and the plan’s enrollment routing before accepting an option.
Which payer ID is HealthChoice?
HealthChoice’s published guidance uses 71064; it identifies 71065 separately for DOC/DRS. Confirm the plan on the remittance.
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