Meritain Health Pays Through Echo Health — How to Avoid the ~3% Virtual Card Fee
By George Ruan • June 26, 2026
If Meritain Health is paying you through Echo Health, you're likely losing 2–3% of each payment to a fee. Bomi switches you to no-fee direct deposit so you keep the full amount.
Meritain Health is a third-party administrator (an Aetna company), and its claim payments run through Echo Health (its virtual-card product is branded QuicRemit). When a payment arrives as a QuicRemit virtual card (a single-use card number you “redeem” in your merchant portal), running it skims a 2–3% processing fee straight out of your payment.
You don't have to pay that fee
Federal CMS guidance is clear that a health plan or its vendor cannot require you to accept virtual cards, and that you can request the no-fee standard ACH EFT instead. The 2–3% is a charge for an optional service you can decline. (For the full legal basis — the HIPAA EFT standard adopted under the Affordable Care Act — see our Echo Health no-fee EFT guide.)
How to switch for Meritain Health
Opt out of the QuicRemit virtual card. Contact Echo Health (their provider line is 888-834-3511) and decline the card; the payment rolls over to a check. Don't run the card in the meantime — running it is what charges you.
Enroll in no-fee standard ACH EFT (with ERA) for Meritain Health, by submitting Echo Health's EFT/ERA enrollment with your practice TIN/EIN, NPI, and bank account.
Set up electronic remittances (835/ERA) so payments post cleanly in your system.
If they resist, file a CMS Administrative Simplification (ASETT) complaint naming the plan — they can't condition electronic payment on a fee.
How Bomi helps
Bomi handles Meritain Health for you: we opt your practice out of Echo Health / QuicRemit virtual cards, enroll you in Meritain Health's no-fee standard ACH EFT, and set up your electronic remittances so payments post cleanly. You stop losing the 2–3%.
This article is general information, not legal advice. The protections described come from federal CMS guidance and your right to request the standard EFT transaction; enforcement runs through the CMS complaint process, and specifics can change. Confirm your options with the payer and CMS before relying on them.
Want us to get the virtual-card fees off your payments? Reach us here https://www.billwithbomi.com/#contact.
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