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05

Credentialing

Medicare, Medicaid, and commercial payer enrollment — all at once
Submit ALL applications the same week
Each payer processes independently. Timeline: 60–120 days per payer. Starting them together is the only way to minimize the gap before revenue begins.
Medicare — CMS-855I via PECOS
1
Confirm Medicare eligibility
You must hold an active state NP license, your national certification, and a DEA registration before applying.
2
Create a CMS I&A account at pecos.cms.hhs.gov
3
Log into PECOS 2.0 and start a new enrollment
4
Select CMS-855I — Individual Enrollment Application
5
Complete all sections and upload documents
License, DEA, NPI, EIN, malpractice policy, and CV.
6
Pay the $750 enrollment fee
7
Submit electronic signature
8
Receive your PTAN + billing effective date
Your PTAN is your Medicare provider number. Billing can begin on the effective date shown in your approval letter.
9
Set up EFT and ERA with your MAC
Your Medicare Administrative Contractor handles payment routing and electronic remittance.
Medicaid + MCOs
1
Find your state Medicaid provider portal
Search ‘[State] Medicaid provider enrollment.’ Each state has a different portal.
2
Identify all Medicaid MCOs in your state
Most Medicaid patients are in managed care organizations — you need to credential with each MCO separately.
3
Authorize each MCO in your CAQH profile
Log into proview.caqh.org → Plan Authorization → add each MCO.
4
Submit MCO enrollment applications
Each MCO has its own form and timeline. Complete background check if required. Keep a spreadsheet of every provider number.
Commercial Payers
1
Call each payer — are you accepting new NP providers?
Don’t skip this call. Some payers have provider freezes by specialty or geography.
2
Request the NP/APRN credentialing application
Behavioral health may have a separate application from primary care.
3
Authorize each payer in CAQH + submit application
Submit with W-9, malpractice, licenses, DEA. Keep copies of everything. Record every reference number.
4
Follow up every 14 days by phone
Credentialing departments are understaffed. Polite, persistent follow-up is standard practice.
5
Receive approval + effective date + provider number
Do not see patients under this plan until you have an effective date in writing. Set up EFT/ERA and run a test claim first.
Payer Quick Reference
Medicare
pecos.cms.hhs.gov
45–60 days
Medicaid
Your state portal
30–90 days
UnitedHealthcare
uhcprovider.com
60–90 days
Aetna
aetna.com
60–120 days
Cigna
cigna.com / Evernorth
60–90 days
BCBS
State BCBS affiliate
60–120 days
Humana
humana.com
60–90 days
Tricare
tricare.mil
60–120 days
NP PRACTICEACADEMY
Verified from official state boards · Updated 2026