Introducing paper claim submissions

Products

You can now submit paper claims through Stedi.

Some payers don't accept electronic claims. Payers may also require paper claims for workers’ compensation, automobile, or liability-related claims.

Until now, you had to print and mail those paper claims yourself. That meant running a separate manual process outside your electronic claims workflow.

With paper claim submission, you submit through the same workflows as electronic claims: API, SFTP, or the Stedi portal. Stedi prints the claim and mails it to the payer for you.

Supported claim types

You can submit two claim types for printing and mailing:

Claim type

Submission methods

Professional claim (CMS-1500 paper form)

API: JSON API, Raw X12 API

SFTP: 837P X12 EDI

Stedi portal UI: CMS-1500 Claim Form or X12 upload

Institutional claim (UB-04 paper form)

API: JSON API, Raw X12 API

SFTP: 837I X12 EDI

Stedi portal UI: X12 upload

How paper claims work

To submit a paper claim:

  • Set the receiver ID – the ID for the entity receiving the transaction – to PAPER ("Print and Mail – All Payers"). If using the Stedi portal UI's CMS-1500 Claim Form, select By mail under Send instead.

  • Set the payer ID, payer name, and payer address to the payer you’d like to mail the claim to.

  • Fill out the rest of the claim as usual.

Transaction enrollment isn't required for paper claims.

For example, to mail a paper claim to Cigna (Payer ID: 62308), you’d:

  • Set the receiver ID to PAPER

  • Set the payer ID to 62308 (Cigna)

  • Include Cigna’s payer name and payer address

  • Fill out the rest of the claim as usual.

This tells Stedi to print and mail the claim to Cigna. Stedi mails the claim to the payer name and address you specify. Make sure the address is correct before you submit.

For example, using the JSON Professional Claims Submission API:

curl --request POST \
  --url "https://healthcare.us.stedi.com/2024-04-01/change/medicalnetwork/professionalclaims/v3/submission" \
  --header "Authorization: <api_key>" \
  --header "Content-Type: application/json" \
  --data '{
  "receiver": {
    "receiverId": "PAPER",          // Tells Stedi to print and mail the claim
    "organizationName": "CIGNA"     // The actual payer name
  },
  "tradingPartnerName": "CIGNA Workers Compensation Claims", // Mail-to name on the envelope
  "tradingPartnerServiceId": "62308",                        // Destination payer ID
  "payerAddress": {
    "address1": "123 Example Street",
    "address2": "STE 100",
    "city": "Mountain View",
    "state": "CA",
    "postalCode": "940433706"
  }
  ... // remaining claim data
}'
curl --request POST \
  --url "https://healthcare.us.stedi.com/2024-04-01/change/medicalnetwork/professionalclaims/v3/submission" \
  --header "Authorization: <api_key>" \
  --header "Content-Type: application/json" \
  --data '{
  "receiver": {
    "receiverId": "PAPER",          // Tells Stedi to print and mail the claim
    "organizationName": "CIGNA"     // The actual payer name
  },
  "tradingPartnerName": "CIGNA Workers Compensation Claims", // Mail-to name on the envelope
  "tradingPartnerServiceId": "62308",                        // Destination payer ID
  "payerAddress": {
    "address1": "123 Example Street",
    "address2": "STE 100",
    "city": "Mountain View",
    "state": "CA",
    "postalCode": "940433706"
  }
  ... // remaining claim data
}'
curl --request POST \
  --url "https://healthcare.us.stedi.com/2024-04-01/change/medicalnetwork/professionalclaims/v3/submission" \
  --header "Authorization: <api_key>" \
  --header "Content-Type: application/json" \
  --data '{
  "receiver": {
    "receiverId": "PAPER",          // Tells Stedi to print and mail the claim
    "organizationName": "CIGNA"     // The actual payer name
  },
  "tradingPartnerName": "CIGNA Workers Compensation Claims", // Mail-to name on the envelope
  "tradingPartnerServiceId": "62308",                        // Destination payer ID
  "payerAddress": {
    "address1": "123 Example Street",
    "address2": "STE 100",
    "city": "Mountain View",
    "state": "CA",
    "postalCode": "940433706"
  }
  ... // remaining claim data
}'
curl --request POST \
  --url "https://healthcare.us.stedi.com/2024-04-01/change/medicalnetwork/professionalclaims/v3/submission" \
  --header "Authorization: <api_key>" \
  --header "Content-Type: application/json" \
  --data '{
  "receiver": {
    "receiverId": "PAPER",          // Tells Stedi to print and mail the claim
    "organizationName": "CIGNA"     // The actual payer name
  },
  "tradingPartnerName": "CIGNA Workers Compensation Claims", // Mail-to name on the envelope
  "tradingPartnerServiceId": "62308",                        // Destination payer ID
  "payerAddress": {
    "address1": "123 Example Street",
    "address2": "STE 100",
    "city": "Mountain View",
    "state": "CA",
    "postalCode": "940433706"
  }
  ... // remaining claim data
}'
curl --request POST \
  --url "https://healthcare.us.stedi.com/2024-04-01/change/medicalnetwork/professionalclaims/v3/submission" \
  --header "Authorization: <api_key>" \
  --header "Content-Type: application/json" \
  --data '{
  "receiver": {
    "receiverId": "PAPER",          // Tells Stedi to print and mail the claim
    "organizationName": "CIGNA"     // The actual payer name
  },
  "tradingPartnerName": "CIGNA Workers Compensation Claims", // Mail-to name on the envelope
  "tradingPartnerServiceId": "62308",                        // Destination payer ID
  "payerAddress": {
    "address1": "123 Example Street",
    "address2": "STE 100",
    "city": "Mountain View",
    "state": "CA",
    "postalCode": "940433706"
  }
  ... // remaining claim data
}'

For more detailed instructions, see our documentation.

Mailing paper claims without a payer ID

Some payers don’t accept electronic claims and won’t have a payer ID in the Stedi Payer Network. In these cases, you can also set the payer ID to PAPER.

For example, using the JSON Professional Claims Submission API:

curl --request POST \
  --url "https://healthcare.us.stedi.com/2024-04-01/change/medicalnetwork/professionalclaims/v3/submission" \
  --header "Authorization: <api_key>" \
  --header "Content-Type: application/json" \
  --data '{
  "receiver": {
    "receiverId": "PAPER",
    "organizationName": "ACME Employer LLC"
  },
  "tradingPartnerName": "ACME Employer LLC",
  "tradingPartnerServiceId": "PAPER",
  "payerAddress": {
    "address1": "987 Example Street",
    "address2": "STE 200",
    "city": "Philadelphia",
    "state": "PA",
    "postalCode": "19192"
  },
  ... // remaining claim data
}'
curl --request POST \
  --url "https://healthcare.us.stedi.com/2024-04-01/change/medicalnetwork/professionalclaims/v3/submission" \
  --header "Authorization: <api_key>" \
  --header "Content-Type: application/json" \
  --data '{
  "receiver": {
    "receiverId": "PAPER",
    "organizationName": "ACME Employer LLC"
  },
  "tradingPartnerName": "ACME Employer LLC",
  "tradingPartnerServiceId": "PAPER",
  "payerAddress": {
    "address1": "987 Example Street",
    "address2": "STE 200",
    "city": "Philadelphia",
    "state": "PA",
    "postalCode": "19192"
  },
  ... // remaining claim data
}'
curl --request POST \
  --url "https://healthcare.us.stedi.com/2024-04-01/change/medicalnetwork/professionalclaims/v3/submission" \
  --header "Authorization: <api_key>" \
  --header "Content-Type: application/json" \
  --data '{
  "receiver": {
    "receiverId": "PAPER",
    "organizationName": "ACME Employer LLC"
  },
  "tradingPartnerName": "ACME Employer LLC",
  "tradingPartnerServiceId": "PAPER",
  "payerAddress": {
    "address1": "987 Example Street",
    "address2": "STE 200",
    "city": "Philadelphia",
    "state": "PA",
    "postalCode": "19192"
  },
  ... // remaining claim data
}'
curl --request POST \
  --url "https://healthcare.us.stedi.com/2024-04-01/change/medicalnetwork/professionalclaims/v3/submission" \
  --header "Authorization: <api_key>" \
  --header "Content-Type: application/json" \
  --data '{
  "receiver": {
    "receiverId": "PAPER",
    "organizationName": "ACME Employer LLC"
  },
  "tradingPartnerName": "ACME Employer LLC",
  "tradingPartnerServiceId": "PAPER",
  "payerAddress": {
    "address1": "987 Example Street",
    "address2": "STE 200",
    "city": "Philadelphia",
    "state": "PA",
    "postalCode": "19192"
  },
  ... // remaining claim data
}'
curl --request POST \
  --url "https://healthcare.us.stedi.com/2024-04-01/change/medicalnetwork/professionalclaims/v3/submission" \
  --header "Authorization: <api_key>" \
  --header "Content-Type: application/json" \
  --data '{
  "receiver": {
    "receiverId": "PAPER",
    "organizationName": "ACME Employer LLC"
  },
  "tradingPartnerName": "ACME Employer LLC",
  "tradingPartnerServiceId": "PAPER",
  "payerAddress": {
    "address1": "987 Example Street",
    "address2": "STE 200",
    "city": "Philadelphia",
    "state": "PA",
    "postalCode": "19192"
  },
  ... // remaining claim data
}'

For more detailed instructions, see our documentation.

Limitations

Paper claims have the following limitations:

Tracking paper claims

Paper claims return different responses than electronic claims.

After you submit a paper claim, Stedi confirms receipt immediately. The confirmation varies based on your submission method:

  • API: HTTP response

  • SFTP or X12 upload in the UI: 999 acknowledgment

  • CMS-1500 Claim Form UI: Confirmation message in the Stedi portal’s UI

Paper claims go through the same edits (validation checks) as electronic claims. If the claim passes our edits, you’ll also receive a 277CA claim acknowledgment from Stedi to confirm we’ve received the claim and forwarded it for printing. This acknowledgment contains claim status category code A1 (Acknowledgment/Receipt) and claim status code 19 (Acknowledged). For example:

This 277CA claim acknowledgment only confirms that Stedi forwarded the claim for printing. There are no further status updates for when the claim is printed, mailed, or returned as undeliverable.

Unlike electronic claims, you won't receive 277CA claim acknowledgments from the payer for paper claims. The payers may mail a printed acknowledgment instead.

Payers that require paper submission usually don't support Electronic Remittance Advice (ERAs). Instead, they mail an Explanation of Payment (EOP) or Explanation of Benefits (EOB) back to the provider. You shouldn't expect ERAs through Stedi for paper claims.

Pricing and availability

Paper claim submission is available on all Stedi production accounts.

Stedi charges for paper claims based on the number of printed and mailed pages. The number of pages varies based on the claim’s type and service line count:

Claim type

Service lines per page

Professional claim (CMS-1500 form)

Up to 6

Institutional claim (UB-04 form)

Up to 22

A claim spills onto additional pages when its service lines exceed what one form holds. For example, a professional claim (CMS-1500 form) with 10 service lines requires 2 pages.

See stedi.com/pricing for per-page pricing.

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Get updates on what’s new at Stedi

Backed by

Stedi and the S design mark are registered trademarks of Stedi, Inc. All names, logos, and brands of third parties listed on our site are trademarks of their respective owners (including “X12”, which is a trademark of X12 Incorporated). Stedi, Inc. and its products and services are not endorsed by, sponsored by, or affiliated with these third parties. Our use of these names, logos, and brands is for identification purposes only, and does not imply any such endorsement, sponsorship, or affiliation.

Get updates on what’s new at Stedi

Backed by

Stedi and the S design mark are registered trademarks of Stedi, Inc. All names, logos, and brands of third parties listed on our site are trademarks of their respective owners (including “X12”, which is a trademark of X12 Incorporated). Stedi, Inc. and its products and services are not endorsed by, sponsored by, or affiliated with these third parties. Our use of these names, logos, and brands is for identification purposes only, and does not imply any such endorsement, sponsorship, or affiliation.