Credentialing By State

Credentialing And Payer Enrollment, State By State

Commercial contracts are usually set by state or market, so a provider licensed in two states often needs a separate application in each. Medicaid always changes at the state line. Each state runs its own program, its own enrollment system, and its own rules about who you contract with after you enroll.

That’s what these pages are for. Each one covers the real program name, how that state delivers care, which plans matter, where it carves behavioral health out to a separate vendor, what the state requires from you, and any statutory clock a carrier has to answer within. Pick your state and you’ll see the specific path rather than general advice.

Start With How The State Delivers Care

The delivery model decides how much work Medicaid is.

In a fee-for-service state you enroll once and you’re done. In a managed care state, enrolling with the agency only makes you eligible; you still contract with each plan separately, and each plan runs its own clock. Getting that wrong is the most common reason a provider believes they’re in-network months before they are.

Managed Care Organizations

21 States

You enroll with the state, then contract with each health plan on its own timeline. Enrolling isn’t the same as being in-network.

ArizonaArizona Health Care Cost Containment System (AHCCCS)DelawareDelaware Medical Assistance Program (DMAP)FloridaFlorida Medicaid: Statewide Medicaid Managed Care (SMMC)HawaiiMed-QUEST (Hawaii Medicaid). Managed care is delivered through the QUEST Integration (QI) program.IllinoisIllinois Medical Assistance Program (Medicaid)IowaIowa Medicaid KansasKanCare KentuckyKentucky Medicaid (the Medical Assistance Program)LouisianaLouisiana Medicaid NebraskaNebraska Medicaid NevadaNevada Medicaid New HampshireNew Hampshire Medicaid New JerseyNJ FamilyCare (New Jersey Medicaid)New MexicoTurquoise Care (New Mexico Medicaid)New YorkNew York State Medicaid Rhode IslandRhode Island Medicaid TennesseeTennCare (Tennessee Medicaid)TexasTexas Medicaid: STAR VirginiaCardinal Care (Virginia Medicaid)WashingtonWashington Apple Health (Medicaid)West VirginiaWest Virginia Medicaid

Mixed

18 States + DC

Part of the population sits in managed care and part stays fee-for-service. Which one your patients fall into changes what you have to do.

ArkansasArkansas Medicaid CaliforniaMedi-Cal District of ColumbiaDC Medicaid (Department of Health Care Finance)GeorgiaGeorgia Medicaid and PeachCare for Kids (CHIP). Managed care is delivered through Georgia Families IdahoIdaho Medicaid IndianaIndiana Health Coverage Programs (IHCP)MarylandMaryland Medical Assistance Program (Medicaid)MassachusettsMassHealth (Massachusetts Medicaid and CHIP)MichiganMichigan Medicaid and the Healthy Michigan Plan (the Comprehensive Health Care Program on the managed care side)MinnesotaMinnesota Health Care Programs (MHCP)MississippiMississippi Medicaid MissouriMO HealthNet (Missouri Medicaid)North CarolinaNC Medicaid (including NC Health Choice)North DakotaNorth Dakota Medicaid (including North Dakota Medicaid Expansion)OhioOhio Medicaid (managed care delivered by the Next Generation managed care plans)OklahomaSoonerCare (Oklahoma Medicaid)South CarolinaHealthy Connections Medicaid UtahUtah Medicaid WisconsinBadgerCare Plus and Wisconsin Medicaid (including Medicaid SSI)

Fee-For-Service

8 States

The state pays you directly. You enroll once with the Medicaid agency, and there’s no plan layer to contract with separately.

AlabamaAlabama Medicaid AlaskaAlaska Medical Assistance (Alaska Medicaid)ConnecticutConnecticut Medical Assistance Program (CMAP) / HUSKY Health MaineMaineCare MontanaMontana Healthcare Programs (Montana Medicaid and Healthy Montana Kids Plus)South DakotaSouth Dakota Medicaid VermontVermont Medicaid WyomingWyoming Medicaid

Special Structures

3 States

Three states route Medicaid through a structure of their own, so who holds your contract is regional or county rather than statewide.

OregonOregon Health Plan (OHP). Regional coordinated care organizations hold the contract, so the county your patients live in decides who you contract with.ColoradoHealth First Colorado (Colorado’s Medicaid program). Regional accountable entities manage behavioral health, and physical and behavioral health run on different rails.PennsylvaniaPennsylvania Medical Assistance (Medicaid). Counties run their own behavioral health plans, so the route in is local rather than statewide.

In Oregon outside Portland? The local payer mix is on our pages for medical billing and credentialing in Bend and medical billing and credentialing in Salem, Eugene, Beaverton and Hillsboro.

How Long Credentialing Takes, State By State

Every insurance company runs its own clock, and it changes by state.

Here is what each insurance company we've checked publishes, or what we see when it publishes nothing, with the source and the date we last checked it. Not every plan in a state is listed, and we check more as clients need them.

Pick your state

Alabama

Insurance companyHow long it takesSource

Blue Cross and Blue Shield of AlabamaBlue Cross does not publish a standard Alabama turnaround, and for a behavioral health provider the clock actually runs at Lucet, whose credentialing committee makes the decision under NCQA standards.Checked Oct 1, 2026

UnitedHealthcare / Optum Behavioral HealthCommonly about 60 to 120 days from a complete application.Checked Oct 1, 2026

AetnaOverall it commonly runs about 90 to 120 days from a complete file.Checked Oct 1, 2026

Cigna Healthcare / EvernorthEvernorth says the process to join its behavioral health network can take up to 90 calendar days to complete, or as otherwise required by law, and its join page shows no general application pause as of this verification.Checked Oct 1, 2026

Viva HealthViva says the typical turnaround to receive the signed contract is about 90 days from submission, and that it runs shorter or longer depending on current volume.Checked Oct 1, 2026

Ambetter of Alabama (underwritten by Celtic Insurance Company)Not published for Alabama as of this verification.Checked Sep 21, 2026

Oscar HealthNot published for Alabama as of this verification.Checked Sep 21, 2026

Alabama Medicaid, CAQH rules and the full payer guide

Alaska

Insurance companyHow long it takesSource

Premera Blue Cross Blue Shield of AlaskaPremera asks you to allow 30 to 45 days for a response to your credentialing application.Checked Oct 1, 2026

AetnaAetna publishes no eligibility deadline for individual professionals; the decision within 60 days on its join page applies to facilities.Checked Oct 1, 2026

UnitedHealthcare / Optum Behavioral HealthCommonly about 60 to 120 days from a complete application.Checked Oct 1, 2026

Moda HealthModa's Alaska credentialing page says credentialing can take 30 to 90 days from receipt of a complete application, and its contract request page says to allow up to 60 days for a response to a new provider submission.Checked Sep 21, 2026

Cigna Healthcare / Evernorth Behavioral HealthEvernorth says the entire process to join its behavioral health network can take up to about 90 days, or as otherwise required by law.Checked Oct 1, 2026

Alaska Medicaid, CAQH rules and the full payer guide

Arizona

Insurance companyHow long it takesSource

Blue Cross Blue Shield of Arizona (AZ Blue)AZ Blue does not publish a single turnaround number; it publishes a sequenced process with several deadlines that run against you.Checked Oct 1, 2026

UnitedHealthcare / Optum Behavioral HealthCommonly about 60 to 120 days from a complete application; behavioral health is credentialed through Optum, which is a separate application from core UnitedHealthcare medical.Checked Oct 1, 2026

AetnaAetna's published sequence is a request for participation first, then a network-need evaluation, then credentialing pulled from CAQH, then contract finalization; overall commonly about 60 to 120 days from a complete file, with recredentialing generally every 36 months.Checked Jul 26, 2026

Banner|AetnaBanner|Aetna does not publish a standard turnaround; network participation is handled through Banner Health Network contracting rather than a public queue, so the gate is network need first and timing second.Checked Jul 26, 2026

Cigna Healthcare / Evernorth Behavioral HealthEvernorth states the full process to join the behavioral health network can take up to about 90 days (or as otherwise required by law), and asks that anyone assisting with your credentialing be told about that window.Checked Oct 1, 2026

Arizona Complete Health / Ambetter (Health Net of Arizona)Arizona Complete Health publishes real numbers: initial credentialing 'completed within 60 calendar days from receipt of a complete application,' provisional credentialing 'completed within 14 calendar days from receipt of a complete application' with provisional status capped at 60 days, recredentialing every 36 months, and recredentialing notices sent 180 days ahead of credential expiration.Checked Oct 1, 2026

TriWest Healthcare AllianceTriWest does not publish a standard credentialing turnaround on its join-our-network page; the intake is a contract request and provider relations follows up.Checked Jul 26, 2026

Arizona Medicaid, CAQH rules and the full payer guide

Arkansas

Insurance companyHow long it takesSource

Arkansas Blue Cross and Blue ShieldCommonly about 60 to 120 days from a complete application.Checked Jul 26, 2026

Health Advantage (HMO Partners, Inc.)Commonly about 60 to 120 days from a complete application, with the § 23-99-411 backstop behind it.Checked Jul 26, 2026

QualChoice (QCA Health Plan, Inc. and QualChoice Life and Health Insurance Company, Inc.)Commonly about 60 to 120 days from a complete application.Checked Jul 26, 2026

Ambetter from Arkansas Health and Wellness (Celtic Insurance Company)Commonly about 60 to 120 days.Checked Jul 26, 2026

UnitedHealthcare and Optum Behavioral HealthCommonly about 60 to 120 days.Checked Jul 26, 2026

AetnaCommonly about 60 to 120 days from a complete application.Checked Oct 1, 2026

Cigna Healthcare and Evernorth Behavioral HealthUp to 90 calendar days through Evernorth, or as otherwise required by law, per Evernorth's published application instructions.Checked Oct 1, 2026

Arkansas Medicaid, CAQH rules and the full payer guide

California

Insurance companyHow long it takesSource

Anthem Blue Cross (California)Anthem's California join-our-network materials describe roughly 45 days from receipt of a complete CAQH application, but behavioral health submissions in practice commonly run longer, plan for something in the 60 to 120 day range and treat 45 as the floor, not the expectation.Checked Oct 1, 2026

Blue Shield of CaliforniaBlue Shield's behavioral health network page states 'The standard turnaround time for processing completed applications is between 45 and 60 days.' Applications must be dated within 30 days of submission.Checked Oct 1, 2026

Health Net of CaliforniaCommonly about 60 to 120 days from a complete application; recredentialing runs on a 36-month cycle and supporting documents generally must be no more than 180 days old at review.Checked Jul 26, 2026

AetnaCredentialing then runs after contracting, commonly another 60 to 90 days from a complete file.Checked Oct 1, 2026

Cigna Healthcare / Evernorth Behavioral HealthEvernorth says the process to join can take up to 90 calendar days (or as otherwise required by law).Checked Oct 1, 2026

UnitedHealthcare / Optum Behavioral HealthUnitedHealthcare states its medical credentialing 'generally takes up to 45 calendar days or more to complete once we have a completed application and all required information,' run through its Onboard Pro tool.Checked Jul 26, 2026

Kaiser Permanente (Northern and Southern California)Timelines vary widely and are not published, we do not build a launch plan around Kaiser.Checked Jul 26, 2026

California Medicaid, CAQH rules and the full payer guide

Colorado

Insurance companyHow long it takesSource

Anthem Blue Cross and Blue Shield (Colorado)Anthem states its credentialing process typically takes about 45 days from the point its credentialing department receives your completed CAQH application, and it recredentials network providers every three years.Checked Jul 26, 2026

AetnaAetna's published sequence is a request for participation first, then a network-need evaluation with an answer on eligibility within 60 days, then contracting, then credentialing pulled from CAQH, then contract finalization.Checked Oct 1, 2026

Cigna Healthcare / Evernorth Behavioral HealthEvernorth says the process to join its behavioral health network can take up to 90 calendar days, or as otherwise required by law.Checked Oct 1, 2026

Kaiser Permanente ColoradoKaiser Permanente Colorado does not publish a standard turnaround, because the gate is network need rather than a queue.Checked Jul 26, 2026

Select Health (Colorado)Select Health does not publish a standard turnaround on its Colorado join-the-network page; it describes a contracting-and-credentialing process supported by local Colorado provider representatives.Checked Sep 21, 2026

Denver Health Medical Plan (Elevate)Not applicable right now.Checked Sep 21, 2026

Rocky Mountain Health Plans (a UnitedHealthcare company)RMHP is administered as part of UnitedHealthcare, and its Colorado provider resources route new network requests and credentialing through the UnitedHealthcare Get Started and Get Credentialed paths.Checked Sep 21, 2026

Carelon Behavioral Health (network access, not a carrier)Carelon describes a five-step process to join and does not publish a standard turnaround.Checked Sep 21, 2026

Colorado Medicaid, CAQH rules and the full payer guide

Connecticut

Insurance companyHow long it takesSource

Anthem Blue Cross and Blue Shield (Connecticut)Anthem cites roughly 45 days from receipt of a complete CAQH application; in practice plan on about 45 to 120 days.Checked Jul 26, 2026

AetnaCommonly about 60 to 90 days (or more) after the contract is signed and a clean credentialing packet is received; both credentialing and contracting must be complete to be in-network.Checked Oct 1, 2026

Cigna Healthcare / EvernorthBehavioral health credentials through Evernorth (Cigna's behavioral subsidiary); commonly up to about 90 days, with an initial response typically within about 15 business days.Checked Sep 21, 2026

ConnectiCareCommonly about 60 to 120 days from a complete application; confirm current turnaround at submission.Checked Oct 1, 2026

UnitedHealthcare / Oxford (Optum Behavioral Health)Commonly about 60 to 120 days; behavioral health is credentialed through Optum, a separate application from core UnitedHealthcare.Checked Sep 21, 2026

Connecticut Medicaid, CAQH rules and the full payer guide

Delaware

Insurance companyHow long it takesSource

Highmark Blue Cross Blue Shield DelawareHighmark's stated goal is to complete initial credentialing within 45 days of a complete application, and it says plainly that volume and missing information stretch that.Checked Oct 1, 2026

AetnaOverall this commonly runs about 60 to 120 days from a complete file.Checked Oct 1, 2026

UnitedHealthcare / Optum Behavioral HealthCommonly about 60 to 120 days from a complete application.Checked Oct 1, 2026

Cigna Healthcare / EvernorthEvernorth says the full process to join its behavioral health network can take up to about 90 days.Checked Oct 1, 2026

AmeriHealth Caritas Next DelawareNot separately published.Checked Oct 1, 2026

Ambetter Health of Delaware (Celtic Insurance Company)Not verified.Checked Jul 26, 2026

Delaware Medicaid, CAQH rules and the full payer guide

District Of Columbia

Insurance companyHow long it takesSource

CareFirst BlueCross BlueShield / CareFirst BlueChoiceCareFirst does not publish a standard turnaround, and unlike Maryland and Virginia, DC law puts no decision clock on credentialing.Checked Oct 1, 2026

UnitedHealthcare / Optum Behavioral HealthCommonly about 60 to 120 days from a complete application.Checked Oct 1, 2026

AetnaAetna's published sequence is a request for participation first, then a network need evaluation, with a decision within 60 days of a completed request, then credentialing pulled from CAQH, then contract finalization.Checked Oct 1, 2026

Cigna Healthcare / EvernorthEvernorth states the process to join its network can take up to 90 calendar days, or as otherwise required by law.Checked Oct 1, 2026

Kaiser Permanente Mid-Atlantic StatesNo standard published turnaround.Checked Jul 26, 2026

District of Columbia Medicaid, CAQH rules and the full payer guide

Florida

Insurance companyHow long it takesSource

Florida Blue (Blue Cross and Blue Shield of Florida)Florida Blue does not publish a turnaround in its provider manual.Checked Jul 26, 2026

AetnaAetna publishes its own sequence: you submit a request for participation, Aetna evaluates network need and decides whether contracting or credentialing is required, credentialing is pulled from CAQH, and the contract is finalized once credentialing is complete.Checked Oct 1, 2026

Cigna Healthcare / Evernorth Behavioral HealthEvernorth says the process to join can take up to 90 calendar days, or as otherwise required by law.Checked Oct 1, 2026

UnitedHealthcare / Optum Behavioral HealthOptum does not publish a firm turnaround; plan on roughly 60 to 120 days from a complete file.Checked Oct 1, 2026

HumanaHumana does not publish a firm turnaround; plan on roughly 60 to 120 days from a complete file and confirm at submission.Checked Jul 26, 2026

Florida Medicaid, CAQH rules and the full payer guide

Georgia

Insurance companyHow long it takesSource

Anthem Blue Cross and Blue Shield (Georgia)Anthem publishes a target on its Georgia page: the credentialing process typically takes 45 days from the time the credentialing department receives your completed CAQH application.Checked Jul 26, 2026

UnitedHealthcare / Optum Behavioral HealthOptum does not publish a Georgia turnaround.Checked Oct 1, 2026

AetnaStep two is a network-need evaluation, and Aetna says it reviews the request and makes a decision within 60 days, and that 60 days is a need decision, not a credentialing turnaround.Checked Sep 21, 2026

Cigna Healthcare / Evernorth Behavioral HealthEvernorth states the process to join its behavioral health network can take up to 90 calendar days to complete, or as otherwise required by law.Checked Oct 1, 2026

Kaiser Permanente of GeorgiaKaiser Permanente Georgia publishes no turnaround and, as far as we can find, no unsolicited application path at all, its Georgia community-provider portal has no join-our-network, credentialing or application section, only contracting contacts in Provider Relations and Contracting.Checked Sep 21, 2026

Alliant Health PlansAlliant publishes no turnaround, there is no figure anywhere in its 72-page provider manual, and the current edition is still titled 2025.Checked Sep 21, 2026

Ambetter from Peach State Health PlanNot published, and we could not reach a working Georgia Ambetter provider page at this verification, the Georgia Ambetter provider URLs are mid-migration to a new domain and currently return not-found errors.Checked Sep 21, 2026

CareSource (Georgia Marketplace)Not published.Checked Sep 21, 2026

Oscar HealthNot published; confirm the current turnaround and intake route at submission.Checked Sep 21, 2026

HumanaNot applicable as a commercial group carrier.Checked Sep 21, 2026

Georgia Medicaid, CAQH rules and the full payer guide

Hawaii

Insurance companyHow long it takesSource

HMSA (Hawaii Medical Service Association)HMSA does not publish a fixed turnaround.Checked Sep 21, 2026

Kaiser Permanente HawaiiNo published standard turnaround, because the gate is network need rather than a queue.Checked Jul 26, 2026

UHA Health Insurance (University Health Alliance)UHA asks you to allow 4 to 6 weeks before checking on status after you submit the enrollment application.Checked Oct 1, 2026

HMAA (Hawaii Medical Assurance Association)HWMG says the credentialing process can take up to 90 days, largely to allow for primary source license verification, and that you are notified of the committee's decision within 10 business days of its review.Checked Oct 1, 2026

UnitedHealthcare / Optum Behavioral HealthCommonly about 60 to 120 days from a complete application.Checked Oct 1, 2026

Cigna Healthcare / Evernorth Behavioral HealthEvernorth says joining the behavioral health network can take up to about 90 days, or as otherwise required by law.Checked Sep 21, 2026

AetnaAetna's published sequence is a request for participation, then a network need answer on eligibility within 60 days, then credentialing pulled from CAQH, then contract finalization.Checked Oct 1, 2026

Hawaii Medicaid, CAQH rules and the full payer guide

Idaho

Insurance companyHow long it takesSource

Blue Cross of IdahoIts practitioner credentialing application says the process takes 60 to 90 days on average.Checked Oct 1, 2026

Regence BlueShield of IdahoOne trap worth knowing: if your contract lapses for more than 30 days, including simply having no active practice location on file, Regence makes you start over with a full initial application.Checked Jul 26, 2026

Select HealthSelect Health doesn't publish a turnaround for Idaho; commonly about 60 to 120 days from a complete application.Checked Oct 1, 2026

PacificSource Health PlansPacificSource states that credentialing applications will be processed within 90 days.Checked Oct 1, 2026

St. Luke's Health PlanSt.Checked Oct 1, 2026

Mountain Health CO-OPCommonly about 60 to 120 days from a complete application; confirm current turnaround.Checked Oct 1, 2026

UnitedHealthcare / Optum Behavioral HealthCommonly about 60 to 120 days from a complete application, and behavioral health is a separate application from core UnitedHealthcare medical.Checked Oct 1, 2026

AetnaOverall commonly about 60 to 120 days from a complete file.Checked Oct 1, 2026

Cigna Healthcare / EvernorthEvernorth says joining the behavioral health network can take up to 90 calendar days, and it asks that anyone helping with your credentialing be told about that 90-day window.Checked Oct 1, 2026

Idaho Medicaid, CAQH rules and the full payer guide

Illinois

Insurance companyHow long it takesSource

Blue Cross and Blue Shield of Illinois (BCBSIL)BCBSIL does not publish a turnaround commitment, which is itself worth knowing, you cannot plan a start date off a published number here.Checked Jul 26, 2026

UnitedHealthcare / Optum Behavioral HealthCommonly about 60 to 120 days from a complete application; behavioral health is credentialed through Optum and is a separate application from core UnitedHealthcare medical.Checked Oct 1, 2026

AetnaOverall commonly about 60 to 120 days from a complete file; recredentialing generally every 36 months.Checked Oct 1, 2026

Cigna Healthcare / Evernorth Behavioral HealthEvernorth says the process to join can take up to 90 calendar days, or as otherwise required by law.Checked Oct 1, 2026

HealthLinkHealthLink states that the contracting and credentialing process can take 90 to 120 days.Checked Oct 1, 2026

Molina Healthcare of IllinoisNot separately published for the Illinois commercial/marketplace line.Checked Oct 1, 2026

Illinois Medicaid, CAQH rules and the full payer guide

Indiana

Insurance companyHow long it takesSource

Anthem Blue Cross and Blue Shield (Indiana)Anthem's own provider guidance describes the credentialing step as commonly running about 30 to 90 days.Checked Jul 26, 2026

UnitedHealthcare / Optum Behavioral HealthCommonly about 60 to 120 days from a complete application.Checked Oct 1, 2026

AetnaAetna's published sequence is a request for participation, then a network need evaluation with an answer on eligibility within 60 days, then credentialing pulled from CAQH, then contract finalization.Checked Sep 21, 2026

Cigna Healthcare / Evernorth Behavioral HealthEvernorth says the process can take up to 90 calendar days, or as otherwise required by law.Checked Oct 1, 2026

Ambetter from MHS IndianaCentene plans commonly run about 60 to 120 days from a complete file.Checked Sep 21, 2026

CareSource IndianaPlan for roughly 60 to 120 days from a clean file and confirm current turnaround at submission.Checked Sep 21, 2026

Physicians Health Plan of Northern Indiana (PHP)You send a Participation Application Request Form with your professional liability documentation and state license to its credentialing coordinator, PHP reviews and directs you to complete the CAQH application with primary source verification, and then, in PHP's own words, once verification is complete you are notified within 10 business days of the Credentials Committee recommendation and, if eligible, contacted by Provider Services to start contracting.Checked Oct 1, 2026

Encore Health NetworkIt does not publish a turnaround for the initial decision, so confirm at submission.Checked Sep 21, 2026

Indiana Medicaid, CAQH rules and the full payer guide

Iowa

Insurance companyHow long it takesSource

Wellmark Blue Cross and Blue Shield of IowaWellmark says submissions through E-cred Central are processed in an average of about 30 days, but that is the credentialing review, not the whole job.Checked Jul 26, 2026

UnitedHealthcare / Optum Behavioral HealthCommonly about 60 to 120 days from a complete application.Checked Oct 1, 2026

AetnaAetna's published sequence is a request for participation, then a network-need evaluation, with a decision within 60 days of a completed request, then credentialing pulled from CAQH, then contract finalization.Checked Oct 1, 2026

Cigna Healthcare / Evernorth Behavioral HealthEvernorth states the full process to join the behavioral health network can take up to 90 calendar days, or as otherwise required by law.Checked Oct 1, 2026

MedicaMedica does not publish a single standard turnaround for Iowa.Checked Jul 26, 2026

Midlands ChoiceMidlands Choice does not publish a fixed turnaround.Checked Jul 26, 2026

Oscar HealthOscar says credentialing takes up to about 45 days after it has all required applications and documents.Checked Jul 26, 2026

Avera Health PlansAvera Health Plans does not publish a standard turnaround.Checked Jul 26, 2026

Sanford Health PlanSanford runs contracting before credentialing.Checked Jul 26, 2026

Iowa Medicaid, CAQH rules and the full payer guide

Kansas

Insurance companyHow long it takesSource

Blue Cross and Blue Shield of KansasCommonly about 60 to 120 days from a complete application, with the decision made by a credentialing committee.Checked Oct 1, 2026

Blue Cross and Blue Shield of Kansas City (Blue KC)If your CAQH information is accurate and complete, credentialing takes approximately 45 to 60 days, and the credentialing department makes a reasonable effort to complete primary source verification within 45 to 60 days of receiving a completed application.Checked Oct 1, 2026

UnitedHealthcare / Optum Behavioral HealthCommonly about 60 to 120 days from a complete application.Checked Oct 1, 2026

AetnaAetna's published sequence is a request for participation first, then a network need evaluation with an answer on eligibility within 60 days, then credentialing pulled from CAQH, then contract finalization.Checked Oct 1, 2026

Cigna Healthcare / Evernorth Behavioral HealthEvernorth states the full process to join the behavioral health network can take up to about 90 days, or as otherwise required by law, and asks that anyone helping with your credentialing be told about that 90-day window.Checked Sep 21, 2026

Ambetter from Sunflower Health PlanConfirm current turnaround at submission.Checked Sep 21, 2026

Oscar Insurance CompanyConfirm current turnaround at submission.Checked Sep 21, 2026

Medica Insurance CompanyConfirm current turnaround at submission.Checked Sep 21, 2026

Kansas Medicaid, CAQH rules and the full payer guide

Kentucky

Insurance companyHow long it takesSource

Anthem Blue Cross and Blue Shield (Kentucky)Published turnarounds vary a lot in practice, commonly about 60 to 120 days from a complete file, and Kentucky's own rules are the better yardstick: under 806 KAR 17:480 an insurer has to acknowledge your application within 30 days and flag anything missing, give you a status notification within 60 days, and keep updating you every 30 days until a final determination.Checked Jul 26, 2026

UnitedHealthcare / Optum Behavioral HealthCommonly about 60 to 120 days from a complete application.Checked Oct 1, 2026

AetnaOverall commonly about 60 to 120 days from a complete file, with recredentialing generally every 36 months.Checked Oct 1, 2026

Cigna Healthcare / Evernorth Behavioral HealthEvernorth says the full process to join the behavioral health network can take up to about 90 days, or as otherwise required by law, and it asks that anyone helping with your credentialing be told about that window.Checked Oct 1, 2026

Ambetter from Wellcare of KentuckyCommonly about 60 to 120 days from start to finish; Kentucky's 45-day determination rule under KRS 304.17A-576 applies.Checked Oct 1, 2026

Passport Health Plan by Molina Healthcare (Marketplace)Commonly about 60 to 120 days from a complete application, with Kentucky's 45-day determination rule under KRS 304.17A-576 applying to the managed care side.Checked Oct 1, 2026

HumanaVaries by line.Checked Jul 26, 2026

Kentucky Medicaid, CAQH rules and the full payer guide

Louisiana

Insurance companyHow long it takesSource

Louisiana Blue (Blue Cross and Blue Shield of Louisiana)Louisiana Blue says credentialing can take up to 90 days after all required information is received, and its credentialing committee approves twice a month.Checked Oct 1, 2026

UnitedHealthcare / Optum Behavioral HealthCommonly about 60 to 120 days from a complete application.Checked Oct 1, 2026

AetnaOverall commonly about 60 to 120 days from a complete file.Checked Oct 1, 2026

Cigna Healthcare / Evernorth Behavioral HealthEvernorth says the full process to join the behavioral health network can take up to 90 calendar days, and it asks that anyone helping with your credentialing be told about that window.Checked Oct 1, 2026

HumanaCommonly about 60 to 120 days from a complete application.Checked Jul 26, 2026

Ambetter from Louisiana Healthcare ConnectionsNot published as a standard turnaround.Checked Jul 26, 2026

Louisiana Medicaid, CAQH rules and the full payer guide

Maine

Insurance companyHow long it takesSource

Anthem Blue Cross and Blue Shield in MaineCommonly about 90 to 120 days from a complete application.Checked Sep 21, 2026

Harvard Pilgrim Health Care / HPHC Insurance CompanyPoint32Health says credentialing and contracting generally run about one to two months from a complete application, longer if anything is missing.Checked Sep 21, 2026

Community Health OptionsIts own guidance describes at least 30 days for initial data entry and then up to about 60 business days to finish credentialing.Checked Sep 21, 2026

UnitedHealthcare / Optum Behavioral HealthCommonly about 60 to 120 days from a complete application.Checked Oct 1, 2026

AetnaAetna's published sequence is a request for participation, a network-need answer within 60 days, then credentialing pulled from CAQH.Checked Sep 21, 2026

Cigna Healthcare / EvernorthEvernorth says the process to join its network can take up to 90 calendar days, or as otherwise required by law.Checked Sep 21, 2026

Martin's Point Health CareMartin's Point credentials through its own Credentials Committee.Checked Sep 21, 2026

Mending (formerly Taro Health)Not worth starting.Checked Oct 1, 2026

Maine Medicaid, CAQH rules and the full payer guide

Maryland

Insurance companyHow long it takesSource

CareFirst BlueCross BlueShield / CareFirst BlueChoiceCommonly about 60 to 120 days from a complete file, and Maryland law sets an outer bound: a carrier has 30 days after a completed application to send written notice that it's continuing to process or rejecting you, then 120 days from that notice to accept or reject and send written notice of the decision.Checked Sep 21, 2026

UnitedHealthcare / Optum Behavioral HealthCommonly about 60 to 120 days from a complete application, inside Maryland's statutory 30-day acknowledgement and 120-day decision clock.Checked Oct 1, 2026

AetnaAetna's published sequence is a request for participation first, then a network-need review with an answer on eligibility within 60 days, then credentialing pulled from CAQH, then contracting.Checked Sep 21, 2026

Cigna Healthcare / Evernorth Behavioral HealthEvernorth says the full process to join the behavioral health network can take up to about 90 days, or as otherwise required by law, and asks that anyone helping with your credentialing be told about that window.Checked Oct 1, 2026

Johns Hopkins Health PlansJohns Hopkins Health Plans doesn't publish a standard turnaround; confirm at submission.Checked Jul 26, 2026

Kaiser Permanente of the Mid-Atlantic StatesKaiser doesn't publish a standard turnaround here, because the gate is network need rather than a queue.Checked Jul 26, 2026

Maryland Medicaid, CAQH rules and the full payer guide

Massachusetts

Insurance companyHow long it takesSource

Blue Cross Blue Shield of MassachusettsCommonly about 60 to 120 days from a complete file.Checked Jul 26, 2026

Point32Health (Harvard Pilgrim Health Care and Tufts Health Plan)Commonly about 60 to 120 days from a complete file, under the 20 business day response requirement in M.G.L. c. 176O section 29.Checked Jul 26, 2026

UnitedHealthcare / Optum Behavioral HealthCommonly about 60 to 120 days from a complete application.Checked Oct 1, 2026

AetnaOverall this commonly runs about 60 to 120 days from a complete file.Checked Oct 1, 2026

Cigna Healthcare / Evernorth Behavioral HealthEvernorth says the process to join the behavioral health network can take up to 90 calendar days, or as otherwise required by law.Checked Oct 1, 2026

Mass General Brigham Health PlanMass General Brigham Health Plan says it follows up on a letter of interest within two business days, and that contracting and credentialing typically takes about 30 days using its Concord tool.Checked Oct 1, 2026

Fallon HealthCommonly about 60 to 120 days from a complete file, under the 20 business day response requirement in M.G.L. c. 176O section 29.Checked Jul 26, 2026

Health New EnglandCommonly about 60 to 120 days from a complete file, under the 20 business day response requirement in M.G.L. c. 176O section 29.Checked Oct 1, 2026

WellSense Health PlanWellSense says credentialing typically takes about 45 to 60 days from submission of a signed contract and the required documentation, and that providers contracted and fully credentialed ahead of a go-live date are the ones who show up in the directory.Checked Oct 1, 2026

Massachusetts Medicaid, CAQH rules and the full payer guide

Michigan

Insurance companyHow long it takesSource

Blue Cross Blue Shield of MichiganBlue Cross posts a live notice on its enrollment page asking providers to allow 35 days for PPO and 60 days for HMO enrollment processing because of volume.Checked Oct 1, 2026

Blue Care Network of MichiganBlue Cross asks for 60 days for HMO enrollment processing.Checked Jul 26, 2026

Priority HealthPriority Health says it can take up to 80 calendar days to process an enrollment request once it has your complete credentialing information.Checked Oct 1, 2026

McLaren Health PlanMcLaren does not publish an from start to finish turnaround.Checked Jul 26, 2026

Health Alliance Plan by Henry Ford Health (HAP)HAP does not publish a standard turnaround on its become-a-provider page.Checked Jul 26, 2026

UnitedHealthcare / Optum Behavioral HealthCommonly about 60 to 120 days from a complete application.Checked Oct 1, 2026

AetnaOverall this commonly runs about 60 to 120 days from a complete file.Checked Oct 1, 2026

Cigna Healthcare / Evernorth Behavioral HealthEvernorth says the full process to join the behavioral health network can take up to about 90 days, or as otherwise required by law, and asks that anyone helping with your credentialing be told about that window.Checked Oct 1, 2026

Michigan Medicaid, CAQH rules and the full payer guide

Minnesota

Insurance companyHow long it takesSource

Blue Cross and Blue Shield of Minnesota (and Blue Plus)Blue Cross says the process for approved contract requests typically takes 60 to 90 days, depending on whether facility or practitioner credentialing is needed.Checked Jul 26, 2026

HealthPartnersHealthPartners asks that applications go in at least 90 days before your start date.Checked Jul 26, 2026

MedicaMedica credentials on the Minnesota pattern, initially and then every three years.Checked Jul 26, 2026

UCare / UCare Community Health PlanUCare is no longer accepting practitioner and organization credentialing applications in preparation for its transition with Medica.Checked Oct 1, 2026

UnitedHealthcare / Optum Behavioral HealthCommonly about 60 to 120 days from a complete application.Checked Oct 1, 2026

AetnaOverall this commonly runs about 60 to 120 days from a complete file, with recredentialing generally every 36 months.Checked Oct 1, 2026

Cigna Healthcare / EvernorthEvernorth says the full process to join the behavioral health network can take up to 90 calendar days, and asks that anyone helping with your credentialing be told about that window.Checked Oct 1, 2026

PreferredOnePreferredOne's credentialing program is NCQA accredited and recredentials every three years, with notice going out roughly four to six weeks before your due date.Checked Jul 26, 2026

Sanford Health Plan of MinnesotaSanford runs its own forms rather than the Minnesota collaborative route, so timelines depend on its intake queue.Checked Jul 26, 2026

Minnesota Medicaid, CAQH rules and the full payer guide

Mississippi

Insurance companyHow long it takesSource

Blue Cross & Blue Shield of MississippiBCBSMS does not publish a fixed turnaround and says processing time depends on how complete your information is.Checked Oct 1, 2026

UnitedHealthcare, with behavioral health through Optum Behavioral HealthOptum initiates through Provider Express and says primary source verification can take up to about 60 days on its own, depending on how fast the sources respond, so budget longer than that from start to finish.Checked Sep 21, 2026

AetnaCommonly about 60 to 120 days from a complete application.Checked Sep 21, 2026

Cigna Healthcare, with behavioral health through Evernorth Behavioral HealthEvernorth says joining the behavioral health network can take up to about 90 days, or as otherwise required by law.Checked Oct 1, 2026

Ambetter from Magnolia HealthNo published standard turnaround.Checked Sep 21, 2026

Molina Healthcare of MississippiNo published standard turnaround for the Marketplace line.Checked Sep 21, 2026

Oscar HealthNot published as a standard turnaround.Checked Sep 21, 2026

HumanaCommonly about 60 to 120 days from a complete application.Checked Sep 21, 2026

Mississippi Medicaid, CAQH rules and the full payer guide

Missouri

Insurance companyHow long it takesSource

Anthem Blue Cross and Blue Shield (Missouri)Anthem does not publish a single Missouri number.Checked Oct 1, 2026

Blue Cross and Blue Shield of Kansas City (Blue KC)Blue KC says that once your CAQH information is accurate and complete, credentialing takes roughly 45 to 60 days, and its credentialing department makes a reasonable effort to finish primary source verification in that same window.Checked Oct 1, 2026

Cigna Healthcare / Evernorth Behavioral HealthEvernorth says the process to join its behavioral health network can take up to 90 calendar days, or as otherwise required by law.Checked Oct 1, 2026

AetnaOverall it commonly runs about 60 to 120 days from a complete file, with Missouri's 60-day statutory decision clock applying once the application is complete.Checked Jul 26, 2026

Cox HealthPlans (Cox Health Systems Insurance Company)Cox HealthPlans does not publish a credentialing turnaround.Checked Jul 26, 2026

Ambetter from Home State Health (Celtic Insurance Company)Ambetter does not publish a Missouri credentialing turnaround.Checked Jul 26, 2026

Medica (Medica Insurance Company and Medica WellFirst)Medica does not publish a Missouri-specific turnaround.Checked Jul 26, 2026

HumanaHumana publishes a Missouri-specific credentialing page alongside only two other states, Colorado and Texas, which is itself a tell that Missouri's credentialing statute changes how carriers work here.Checked Jul 26, 2026

Missouri Medicaid, CAQH rules and the full payer guide

Montana

Insurance companyHow long it takesSource

Blue Cross and Blue Shield of Montana (BCBSMT)The credentialing page describes an application review that averages 8 to 10 calendar days once your CAQH data arrives, which is the review step, not the trip from onboarding form to countersigned contract.Checked Oct 1, 2026

Mountain Health CO-OP (Montana Health CO-OP)The CO-OP does not publish a standard turnaround.Checked Sep 21, 2026

UnitedHealthcare / Optum Behavioral HealthCommonly about 60 to 120 days from a complete application.Checked Oct 1, 2026

AetnaAetna's published sequence is a request for participation first, then a network-need evaluation with an answer on eligibility within 60 days, then credentialing pulled from CAQH, then contract finalization.Checked Sep 21, 2026

Cigna Healthcare / EvernorthEvernorth states the full process to join its behavioral health network can take up to 90 calendar days, or as otherwise required by law, and it specifically asks that anyone helping with your credentialing be told about that 90-day window.Checked Sep 21, 2026

PacificSource Health Plans (Montana), exiting the statePacificSource's published credentialing review runs 30 to 90 days after a complete application, but the Montana network is winding down, so a new Montana credentialing file is effort you do not get back.Checked Sep 21, 2026

Montana Medicaid, CAQH rules and the full payer guide

Nebraska

Insurance companyHow long it takesSource

Blue Cross and Blue Shield of NebraskaCommonly about 60 to 120 days from a complete application.Checked Oct 1, 2026

UnitedHealthcare / Optum Behavioral HealthCommonly about 60 to 120 days from a complete application.Checked Jul 26, 2026

AetnaAetna's published sequence is a request for participation, a decision within 60 days of the completed application, then credentialing pulled from CAQH and contract finalization.Checked Oct 1, 2026

Cigna Healthcare / Evernorth Behavioral HealthEvernorth states the process to join its behavioral network can take up to 90 calendar days, or as otherwise required by law.Checked Oct 1, 2026

MedicaCommonly about 60 to 120 days from a complete application.Checked Jul 26, 2026

Midlands ChoiceYou are notified of an approval and effective date within 10 business days of the decision.Checked Jul 26, 2026

Ambetter Health (Celtic Insurance Company)Nebraska Total Care's contracting FAQ says that once a completed contract and all credentialing documentation are received the process takes up to but no longer than 30 days, while its credentialing page says credentialing is completed within 60 days of a complete application.Checked Oct 1, 2026

Oscar HealthOscar does not publish a Nebraska-specific credentialing turnaround.Checked Jul 26, 2026

Avera Health PlansNo published Nebraska turnaround yet.Checked Jul 26, 2026

Nebraska Medicaid, CAQH rules and the full payer guide

Nevada

Insurance companyHow long it takesSource

Health Plan of Nevada and Sierra Health and LifeIt does not publish a single turnaround number.Checked Oct 1, 2026

Hometown HealthInitial credentialing takes 90 to 120 days once a complete application with all required forms and documents has been received.Checked Oct 1, 2026

Anthem Blue Cross and Blue Shield (Nevada)Anthem does not publish a Nevada-specific number.Checked Jul 26, 2026

UnitedHealthcare and Optum Behavioral HealthCommonly about 60 to 120 days.Checked Oct 1, 2026

AetnaOverall commonly about 60 to 120 days from a complete file.Checked Oct 1, 2026

Cigna Healthcare and Evernorth Behavioral HealthEvernorth states the process to join its network can take up to 90 calendar days to complete, or as otherwise required by law.Checked Oct 1, 2026

Prominence Health PlanProminence states the credentialing process takes a minimum of 90 days.Checked Jul 26, 2026

Ambetter from SilverSummit HealthplanSilverSummit uses a Letter of Intent to start, and says that if you are not contacted within 30 days you were not selected for the network.Checked Oct 1, 2026

Nevada Medicaid, CAQH rules and the full payer guide

New Hampshire

Insurance companyHow long it takesSource

Anthem Blue Cross and Blue Shield (New Hampshire)Anthem's own materials cite roughly 45 days from a complete CAQH application, and in practice plan on about 45 to 120 days.Checked Sep 21, 2026

Harvard Pilgrim Health Care of New England (Point32Health)Harvard Pilgrim does not publish a single number, and the order of operations matters more than the number does.Checked Oct 1, 2026

UnitedHealthcare / Optum Behavioral HealthCommonly about 60 to 120 days from a complete application, and behavioral health is credentialed through Optum, which is a separate application from core UnitedHealthcare medical.Checked Oct 1, 2026

Cigna Healthcare / EvernorthEvernorth states the process to join the behavioral health network can take up to 90 calendar days, or as otherwise required by law, and the New Hampshire statutory clock is the law in question here.Checked Oct 1, 2026

Ambetter from NH Healthy FamiliesThe plan does not publish a turnaround number on its join page; confirm at submission, and hold it to the RSA 420-J:4 clock once your file is clean and complete.Checked Sep 21, 2026

WellSense Clarity (New Hampshire marketplace)WellSense says credentialing typically takes about 45 to 60 days once it has your signed contract and all required credentialing and enrollment documentation.Checked Sep 21, 2026

New Hampshire Medicaid, CAQH rules and the full payer guide

New Jersey

Insurance companyHow long it takesSource

Horizon Blue Cross Blue Shield of New Jerseybehavioral health applications commonly take about 45 to 90 days from the date Horizon has a complete application; Blue credentialing overall can run roughly 60 to 120 days.Checked Sep 21, 2026

AetnaCommonly about 60 to 120 days from a complete application; recredentialing generally every 36 months.Checked Sep 21, 2026

Cigna Healthcare / EvernorthCommonly about 60 to 120 days from a complete application; recredentialing generally every 36 months.Checked Sep 21, 2026

UnitedHealthcare / Optum Behavioral HealthCommonly about 60 to 120 days; behavioral health is credentialed through Optum, a separate application from core UnitedHealthcare medical.Checked Sep 21, 2026

Oxford Health Plans (a UnitedHealthcare company)Commonly about 60 to 120 days from a complete application; confirm current turnaround at submission.Checked Sep 21, 2026

New Jersey Medicaid, CAQH rules and the full payer guide

New Mexico

Insurance companyHow long it takesSource

Blue Cross and Blue Shield of New MexicoCommonly about 60 to 120 days from start to finish, but New Mexico is one of the few states where the statutory clock is worth invoking: the Insurance Code gives a carrier thirty calendar days from a complete credentialing application to decide, with a fifteen-day extension only in defined circumstances.Checked Oct 1, 2026

Presbyterian Health PlanPresbyterian does not publish a standard turnaround.Checked Jul 26, 2026

UnitedHealthcare / Optum Behavioral HealthCommonly about 60 to 120 days from a complete application.Checked Oct 1, 2026

Molina Healthcare of New MexicoMolina does not publish a New Mexico turnaround.Checked Oct 1, 2026

AetnaOverall commonly about 60 to 120 days, with recredentialing generally every 36 months.Checked Jul 26, 2026

Cigna Healthcare / EvernorthEvernorth states the full process to join the behavioral health network can take up to about 90 days, or as otherwise required by law, and asks that anyone helping with your credentialing be told about that window.Checked Jul 26, 2026

New Mexico Medicaid, CAQH rules and the full payer guide

New York

Insurance companyHow long it takesSource

Anthem Blue Cross and Blue Shield (formerly Empire BlueCross BlueShield)New York Insurance Law 4803 and Public Health Law 4406-d require a carrier to tell you within 60 days of a completed application whether you are credentialed, or whether more time is needed because a third party has not supplied necessary documentation (final determination within 21 days of receiving it); recredentialing is about every three years.Checked Jul 26, 2026

UnitedHealthcare (with Oxford Health Plans) / Optum Behavioral HealthCommonly about 60 to 120 days; for a behavioral health prescriber the credentialing runs through Optum, a separate application from core UnitedHealthcare medical.Checked Jul 26, 2026

AetnaCommonly about 60 to 120 days from a complete application; confirm current turnaround at submission.Checked Oct 1, 2026

Cigna Healthcare / EvernorthBehavioral health credentials through Evernorth (Cigna's behavioral subsidiary); commonly up to about 90 days from a complete application.Checked Jul 26, 2026

EmblemHealth (GHI / HIP)EmblemHealth says its Credentialing department reviews initial applications within 60 days of receiving a fully completed application, in line with New York's 60-day notice rule.Checked Oct 1, 2026

MVP Health CareMVP executes a Participation Services Agreement only after initial credentialing and primary-source verification; New York law requires a carrier to tell you within 60 days of a completed application whether you are credentialed or whether a third party's missing documentation needs more time.Checked Oct 1, 2026

Excellus BlueCross BlueShieldExcellus states that credentialing applications, included in its Enrollment Application, are processed within 60 days of receipt, in line with New York's 60-day notice rule; recredentialing/audits at least every three years.Checked Oct 1, 2026

New York Medicaid, CAQH rules and the full payer guide

North Carolina

Insurance companyHow long it takesSource

Blue Cross and Blue Shield of North Carolina (Blue Cross NC)Credentialing runs first, entirely through CAQH; Blue Cross NC does not publish a credentialing-review turnaround.Checked Jul 26, 2026

UnitedHealthcare / Optum Behavioral HealthCommonly about 60 to 120 days from a complete application; behavioral health is credentialed through Optum, a separate application from core UnitedHealthcare medical.Checked Oct 1, 2026

Cigna Healthcare / Evernorth Behavioral HealthEvernorth states the process to join the behavioral health network can take up to about 90 days (or as otherwise required by law), and Evernorth was accepting individual applications through its provider portal when we checked on October 1, 2026.Checked Oct 1, 2026

MedCostNot applicable while the network is closed.Checked Oct 1, 2026

HumanaHumana does not publish a firm turnaround; plan on roughly 60 to 120 days from a complete file and confirm at submission.Checked Jul 26, 2026

North Carolina Medicaid, CAQH rules and the full payer guide

North Dakota

Insurance companyHow long it takesSource

Blue Cross Blue Shield of North Dakota (BCBSND)BCBSND tells new providers the credentialing process can take up to 90 days once the credentialing specialist has the completed application.Checked Oct 1, 2026

Cigna Healthcare / Evernorth, delivered in North Dakota through HealthPartnersEvernorth's published national figure is that joining its network can take up to 90 calendar days, or as otherwise required by law.Checked Oct 1, 2026

HealthPartnersHealthPartners does not publish a turnaround.Checked Oct 1, 2026

Sanford Health PlanSanford does not publish an initial turnaround, because the first gate is a contracting decision rather than a queue.Checked Oct 1, 2026

AetnaOverall this commonly runs about 60 to 120 days from a complete file, and recredentialing is generally every 36 months.Checked Oct 1, 2026

North Dakota Medicaid, CAQH rules and the full payer guide

Ohio

Insurance companyHow long it takesSource

Anthem Blue Cross and Blue Shield (Ohio)Commonly about 60 to 90 days from a complete application, and Ohio law backs the outside edge of that: under ORC 3963.06 a contracting entity has 90 days from receiving your credentialing form.Checked Sep 21, 2026

Medical Mutual of OhioMedical Mutual says credentialing can take up to 90 days once the request is submitted, the CAQH application has been re-attested, and Medical Mutual has been authorized to pull it.Checked Sep 21, 2026

UnitedHealthcare / Optum Behavioral HealthCommonly about 60 to 120 days from a complete application, and Ohio's 90-day statute applies to the commercial lines.Checked Oct 1, 2026

Cigna Healthcare / EvernorthEvernorth states the process to join the behavioral health network can take up to about 90 days, or as otherwise required by law.Checked Oct 1, 2026

CareSourceCareSource follows Ohio Department of Insurance and NCQA standards, so the 90-day statutory clock applies to the Marketplace line.Checked Oct 1, 2026

Ohio Medicaid, CAQH rules and the full payer guide

Oklahoma

Insurance companyHow long it takesSource

Blue Cross and Blue Shield of Oklahoma (BCBSOK)Commonly about 60 to 120 days from a complete application.Checked Oct 1, 2026

UnitedHealthcare, with behavioral health through Optum Behavioral HealthCommonly about 60 to 120 days.Checked Sep 21, 2026

Aetna (commercial), a CVS Health companyCommonly about 60 to 120 days from a complete application, inside Oklahoma's statutory 45-day clean-application clock and 180-day ceiling.Checked Oct 1, 2026

Cigna Healthcare, with behavioral health through Evernorth Behavioral HealthEvernorth states the process to join its network can take up to 90 calendar days to complete, or as otherwise required by law.Checked Oct 1, 2026

CommunityCareCommunityCare does not publish a day count.Checked Oct 1, 2026

HealthChoice (Oklahoma state and education employees), administered by the Employees Group Insurance DivisionNot published as a day count.Checked Sep 21, 2026

Ambetter from Oklahoma Complete HealthCommonly about 60 to 120 days from a complete application.Checked Sep 21, 2026

GlobalHealthNot published.Checked Sep 21, 2026

HumanaMedicaid credentialing runs on the SoonerSelect schedule: 45 calendar days from a complete Availity application, with a possible 15-day extension.Checked Sep 21, 2026

Oklahoma Medicaid, CAQH rules and the full payer guide

Oregon

Insurance companyHow long it takesSource

Regence BlueCross BlueShield of OregonCommonly about 60 to 120 days from a complete application; BlueCross affiliates range roughly 45 to 120+ days.Checked Jul 26, 2026

Moda HealthModa's credentialing overview says the process can take 30 to 90 days from receipt of a complete application, and its Oregon join-our-network page puts the average from contracting request submission to full execution at 180 days, covering credentialing, contracting and system setup; confirm current Moda turnaround at submission.Checked Oct 1, 2026

Providence Health PlanCommonly about 90 to 120 days from a complete application; confirm current turnaround.Checked Oct 1, 2026

PacificSource Health PlansTypically about 60 to 120 days from a complete application; confirm current turnaround.Checked Oct 1, 2026

Kaiser Permanente NorthwestKaiser Permanente Northwest does not publish a standard outside-provider credentialing turnaround, because the gate here is network need rather than a queue.Checked Jul 26, 2026

UnitedHealthcare / Optum Behavioral HealthCommonly about 60 to 120 days; behavioral health is credentialed through Optum, a separate application from core UHC.Checked Oct 1, 2026

AetnaCommonly about 60 to 120 days from a complete application.Checked Jul 26, 2026

Cigna Healthcare / EvernorthBehavioral health credentials through Evernorth (Cigna's behavioral subsidiary); commonly up to about 90 days, and Evernorth asks that anyone helping with your credentialing be told about that 90-day window.Checked Jul 26, 2026

Oregon Medicaid, CAQH rules and the full payer guide

Pennsylvania

Insurance companyHow long it takesSource

Highmark: Highmark Blue Cross Blue Shield (Western and Northeastern PA) and Highmark Blue Shield (Central and Southeastern PA)Highmark publishes an unusually specific goal: completion within 45 days of receiving a complete application, with the caveat that high volume or a request for additional information can extend it.Checked Oct 1, 2026

Independence Blue Cross (IBX)Independence does not publish a decision clock, but it publishes a hard one on your side: once the contract goes out through DocuSign you have 30 calendar days to sign and return it electronically or the application is rescinded and you start over.Checked Oct 1, 2026

Capital Blue CrossCapital does not publish a credentialing decision timeline.Checked Oct 1, 2026

UPMC Health Plan, behavioral health via Community Care Behavioral HealthUPMC does not publish an overall turnaround for behavioral health, but Community Care's own standard sets the outer bound: a complete application must be reviewed and approved within 180 days of the date the application was signed, and because a CAQH attestation is treated as valid for 180 days, a file that drifts past that has to be refreshed with a newly signed attestation.Checked Jul 26, 2026

Geisinger Health PlanGeisinger does not publish a decision clock, but its credentialing criteria contain a hard deadline aimed at you: if an application remains incomplete for 60 days, the applicant is deemed to have voluntarily withdrawn the request and the credentialing process is discontinued.Checked Jul 26, 2026

UnitedHealthcare / Optum Behavioral HealthCommonly about 60 to 120 days from a complete application.Checked Oct 1, 2026

AetnaOverall this commonly runs about 60 to 120 days from a complete file, with recredentialing generally every 36 months.Checked Oct 1, 2026

Cigna Healthcare / Evernorth Behavioral HealthEvernorth states the process to join its network can take up to 90 calendar days to complete, or as otherwise required by law.Checked Jul 26, 2026

Pennsylvania Medicaid, CAQH rules and the full payer guide

Rhode Island

Insurance companyHow long it takesSource

Blue Cross & Blue Shield of Rhode Island (BCBSRI)Rhode Island law caps the decision at 45 calendar days after a complete application, with a completeness confirmation inside five business days and an automated status update at least every 15 calendar days until then.Checked Oct 1, 2026

Neighborhood Health Plan of Rhode IslandNeighborhood's own provider manual matches the statute: a decision within 45 calendar days of a complete application, status notice at least once every 15 calendar days telling you what is missing, and confirmation inside five business days once the file is deemed complete.Checked Jul 26, 2026

Point32Health (Harvard Pilgrim Health Care and Tufts Health Plan)Point32Health says credentialing and contracting generally take one to two months, longer if the application is incomplete, and Rhode Island's 45-day statutory clock applies to the decision itself.Checked Oct 1, 2026

UnitedHealthcare / Optum Behavioral HealthBehavioral health is credentialed through Optum, which is a separate application from core UnitedHealthcare medical, commonly about 60 to 120 days from start to finish from a complete file.Checked Oct 1, 2026

AetnaAetna's published sequence is a request for participation first, then a network-need answer on eligibility, then credentialing pulled from CAQH, then contract finalization.Checked Oct 1, 2026

Cigna Healthcare / EvernorthEvernorth says the process to join its network can take up to 90 calendar days, and Rhode Island's 45-day statutory decision clock applies to the decision itself.Checked Oct 1, 2026

Rhode Island Medicaid, CAQH rules and the full payer guide

South Carolina

Insurance companyHow long it takesSource

BlueCross BlueShield of South CarolinaCommonly about 60 to 120 days from a complete application.Checked Oct 1, 2026

BlueChoice HealthPlan of South CarolinaBlueChoice publishes a 90-day review period that begins after it receives all required documentation, and says that window can extend if it needs more information.Checked Sep 21, 2026

UnitedHealthcare / Optum Behavioral HealthCommonly about 60 to 120 days from a complete application.Checked Oct 1, 2026

Cigna Healthcare / Evernorth Behavioral HealthEvernorth says the full process to join its behavioral health network can take up to about 90 days, or as otherwise required by law.Checked Oct 1, 2026

AetnaAetna's published sequence is a request for participation, then a network-need evaluation with an answer on eligibility within 60 days, then credentialing pulled from CAQH, then contract finalization.Checked Sep 21, 2026

Molina Healthcare of South CarolinaMolina states that credentialing and the provider load process can take up to about 60 days.Checked Sep 21, 2026

Ambetter from Absolute Total CareTreat as commonly 60 to 120 days from a complete application and confirm the current route and turnaround before you scope it.Checked Sep 21, 2026

South Carolina marketplace-only carriers beyond the nationals (First Choice Next by Select Health of South Carolina, InStil Health)Select Health of South Carolina commits to notifying you within 60 calendar days of the credentialing committee or medical director decision and recredentials every three years, and that is the credentialing shop behind First Choice Next.Checked Sep 21, 2026

South Carolina Medicaid, CAQH rules and the full payer guide

South Dakota

Insurance companyHow long it takesSource

Wellmark Blue Cross and Blue Shield of South DakotaWellmark says practitioner submissions through E-cred Central are processed in an average of about 30 days, and asks you to allow time ahead of the provider's actual start date.Checked Sep 21, 2026

Avera Health PlansAvera Health Plans does not publish a standard turnaround, and the gate is network need rather than a queue.Checked Sep 21, 2026

Sanford Health PlanTwo deadlines to respect: application signatures must be dated no more than 60 days old, and Sanford discontinues an initial credentialing application if requested information is not provided within 30 days of receipt.Checked Oct 1, 2026

UnitedHealthcare / Optum Behavioral HealthCommonly about 60 to 120 days from a complete application.Checked Oct 1, 2026

Midlands ChoiceMidlands Choice says credentialing can take from several weeks to a few months, depending on the complexity of the information provided.Checked Sep 21, 2026

South Dakota Medicaid, CAQH rules and the full payer guide

Tennessee

Insurance companyHow long it takesSource

BlueCross BlueShield of TennesseeCommonly about 60 to 120 days from a complete application.Checked Jul 26, 2026

UnitedHealthcare / Optum Behavioral HealthCommonly about 60 to 120 days from a complete application.Checked Oct 1, 2026

AetnaCommonly about 60 to 120 days from start to finish.Checked Jul 26, 2026

Tennessee individual-market carriers beyond the big four (Oscar, Ambetter/Celtic, Alliant Health Plans)Treat as commonly 60 to 120 days from a complete application and confirm the current route and turnaround with each carrier before you scope it.Checked Jul 26, 2026

Tennessee Medicaid, CAQH rules and the full payer guide

Texas

Insurance companyHow long it takesSource

Blue Cross and Blue Shield of TexasCommonly about 90 to 120+ days from start to finish.Checked Oct 1, 2026

AetnaIn practice, request-to-billable in Texas commonly lands around 90 to 120+ days once panel review, contracting, and loading are included.Checked Oct 1, 2026

Cigna Healthcare / Evernorth Behavioral HealthFor behavioral health, Evernorth states the entire process to join its network can take up to 90 calendar days (or as otherwise required by law).Checked Oct 1, 2026

UnitedHealthcare / Optum Behavioral HealthUnitedHealthcare states the entire credentialing process generally takes up to 45 calendar days or more once a completed application is received, that a contract is mailed within 5 business days of a credentialing request, and to allow up to 60 days for the contract to be loaded into its systems after credentialing approval and receipt of the signed contract, so realistically plan on roughly 105+ days to genuinely billable.Checked Oct 1, 2026

HumanaHumana does not publish a plain credentialing turnaround on its provider pages; third-party credentialing sources commonly cite about 60 to 90 days from a complete application.Checked Oct 1, 2026

Texas Medicaid, CAQH rules and the full payer guide

Utah

Insurance companyHow long it takesSource

Select HealthCommonly about 30 to 90 days from start to finish.Checked Oct 1, 2026

Regence BlueCross BlueShield of UtahCommonly about 60 to 120 days from a complete application.Checked Jul 26, 2026

University of Utah Health Plans (including Healthy U and Health Choice Utah)Its Contracting Committee reviews applications within 45 to 60 business days, then sends an agreement to review and sign, and credentialing starts only after the signed agreement comes back.Checked Oct 1, 2026

PEHP Health & Benefits (Public Employees Health Program)PEHP describes an open provider panel and says the credentialing process may take up to about four weeks after a completed application, after which a contract is sent.Checked Oct 1, 2026

UnitedHealthcare / Optum Behavioral HealthCommonly about 60 to 120 days from a complete application.Checked Oct 1, 2026

AetnaOverall commonly about 60 to 120 days from a complete file.Checked Oct 1, 2026

Molina Healthcare of UtahConfirm current turnaround at submission.Checked Jul 26, 2026

Deseret Mutual Benefit Administrators (DMBA)DMBA does not publish a standard turnaround.Checked Jul 26, 2026

EMI HealthEMI Health does not publish a standard turnaround.Checked Jul 26, 2026

Utah Medicaid, CAQH rules and the full payer guide

Vermont

Insurance companyHow long it takesSource

Blue Cross and Blue Shield of VermontCommonly about 60 to 120 days from start to finish, but Vermont law is on your side here: under 18 V.S.A. 9408a an insurer must act upon and finish the credentialing process on a completed application within 60 calendar days of receipt, and must tell you about any deficiency in a completed application within 30 business days.Checked Oct 1, 2026

MVP Health CareMVP's own standard is to tell you within 60 days of receiving a completed application and all required documentation whether you are credentialed or what else it needs, and where it asks for more documentation it makes a final determination within 21 days of receiving it.Checked Oct 1, 2026

UnitedHealthcare / Optum Behavioral HealthCommonly about 60 to 120 days from a complete application.Checked Oct 1, 2026

AetnaAetna's published sequence is a request for participation first, then a network-need review with an answer on your eligibility within 60 days, then credentialing pulled from CAQH, then contracting.Checked Sep 21, 2026

Cigna Healthcare / EvernorthEvernorth states the full process to join its behavioral health network can take up to 90 calendar days, or as otherwise required by law.Checked Oct 1, 2026

Vermont Medicaid, CAQH rules and the full payer guide

Virginia

Insurance companyHow long it takesSource

Anthem Blue Cross and Blue Shield (Virginia)Commonly about 90 to 120 days from a complete application, and it moves faster when the CAQH profile is already clean.Checked Jul 26, 2026

CareFirst BlueCross BlueShieldCareFirst does not publish a standard turnaround on its application pages.Checked Sep 21, 2026

Sentara Health PlansFor other lines, Sentara starts from a Request For Participation form and does not publish a standard turnaround.Checked Oct 1, 2026

UnitedHealthcare / Optum Behavioral HealthCommonly about 60 to 120 days from a complete application.Checked Oct 1, 2026

AetnaAetna's published sequence is a request for participation first, then a network need review with an answer on eligibility within 60 days, then credentialing pulled from CAQH, then contract finalization.Checked Oct 1, 2026

Kaiser Permanente of the Mid-Atlantic StatesKaiser does not publish a standard turnaround for the Mid-Atlantic community network, because the gate is network need rather than a queue.Checked Jul 26, 2026

Virginia Medicaid, CAQH rules and the full payer guide

Washington

Insurance companyHow long it takesSource

Premera Blue CrossPremera states that most providers complete credentialing in 60 days or less, and its behavioral health page says behavioral health credentialing typically takes under two weeks, but contracting is the slower half: Premera says its team responds within 45 to 60 business days to review, sign, and return documents, and the agreement is not effective until Premera countersigns it.Checked Oct 1, 2026

Regence BlueShield (Washington)Recredentialing every three years, and a contract lapse of more than 30 days (including having no active practice location) forces a full new initial application.Checked Jul 26, 2026

Kaiser Permanente WashingtonKaiser Permanente Washington does not publish a standard turnaround, because the gate is network need rather than a queue.Checked Oct 1, 2026

AetnaOverall commonly runs about 60 to 120 days from a complete file; recredentialing generally every 36 months.Checked Oct 1, 2026

Cigna Healthcare / EvernorthEvernorth states the full process to join the behavioral health network can take up to about 90 days (or as otherwise required by law), and it specifically asks that anyone helping with your credentialing be told about that 90-day window.Checked Oct 1, 2026

First Choice HealthFirst Choice Health's own Washington applicant materials ask you to allow a minimum of 60 days to process a credentialing application, and say you are notified on completion and given a participation effective date.Checked Oct 1, 2026

Washington Medicaid, CAQH rules and the full payer guide

West Virginia

Insurance companyHow long it takesSource

Highmark Blue Cross Blue Shield West VirginiaHighmark West Virginia's own network access plan says providers will be initially credentialed within 120 days of a completed credentialing application, citing the West Virginia statute, and that credentialing finishes before the contract effective date.Checked Oct 1, 2026

The Health Plan of West VirginiaCommonly about 60 to 120 days from a complete application.Checked Jul 26, 2026

UnitedHealthcare / Optum Behavioral HealthCommonly about 60 to 120 days from a complete application.Checked Jul 26, 2026

Aetnafrom start to finish, commonly about 60 to 120 days from a complete file.Checked Oct 1, 2026

Cigna Healthcare / Evernorth Behavioral HealthEvernorth says the process to join its network can take up to 90 calendar days.Checked Oct 1, 2026

CareSource West VirginiaCommonly about 60 to 120 days from a complete application.Checked Oct 1, 2026

West Virginia Medicaid, CAQH rules and the full payer guide

Wisconsin

Insurance companyHow long it takesSource

Anthem Blue Cross and Blue Shield (Wisconsin)Anthem says credentialing typically takes 45 days from the time its credentialing department receives your completed CAQH application, which is one of the shorter published numbers you will find anywhere.Checked Oct 1, 2026

UnitedHealthcare / Optum Behavioral HealthCommonly about 60 to 120 days from a complete application.Checked Oct 1, 2026

Security Health Plan of WisconsinCredentialing is the long pole and averages 60 to 90 days once they have your information.Checked Oct 1, 2026

Network HealthNetwork Health starts with a New Provider Request Form describing your practice, sends written confirmation to your primary business contact, and says it will respond with a decision in approximately 45 business days.Checked Oct 1, 2026

WPS Health InsuranceAllow 60 to 90 days for WPS to review that request.Checked Oct 1, 2026

QuartzQuartz does not publish a credentialing turnaround on its public provider pages, so treat any number you hear secondhand with suspicion and confirm the current route and timeline directly with Quartz at submission.Checked Jul 26, 2026

Dean Health PlanNot verified.Checked Jul 26, 2026

Group Health Cooperative of South Central WisconsinNot published.Checked Jul 26, 2026

AetnaOverall this commonly runs about 60 to 120 days from a complete file.Checked Oct 1, 2026

Cigna Healthcare / Evernorth Behavioral HealthEvernorth says the process to join can take up to 90 calendar days (or as otherwise required by law).Checked Oct 1, 2026

Wisconsin Medicaid, CAQH rules and the full payer guide

Wyoming

Insurance companyHow long it takesSource

Blue Cross Blue Shield of WyomingBCBSWY does not publish a turnaround number, and it will not date your participation before your credentialing is approved.Checked Sep 21, 2026

UnitedHealthcare, with behavioral health through Optum Behavioral HealthCommonly about 60 to 120 days from a complete application, and behavioral health goes through Optum on its own application, not the core UnitedHealthcare medical one.Checked Oct 1, 2026

Cigna Healthcare, with behavioral health through Evernorth Behavioral HealthEvernorth says the entire process to join its behavioral health network can take up to 90 calendar days, or as otherwise required by law, and it wants CAQH re-attested every 120 days.Checked Sep 21, 2026

Wyoming Medicaid, CAQH rules and the full payer guide

Our Side Of The Clock

The insurance company sets its clock. This one is ours, and it is in writing.

You see the price firstEvery package is priced on our site and bought online, so you know the total before you talk to anyone.

Your paperwork within two business daysAfter you pay, you get an email invitation to your Command Suite to review and sign your Order Form and agreements.

Work starts within three business daysAfter we get your onboarding packet back.

Follow-up at least every 10 business daysWith each insurance company. A closed panel or a no comes back to you in writing.

We stay until it paysWe don't stop at the application or the first payment. A payer is complete once its payments come through consistently.

What We Stand Behind

If something we delivered doesn’t work the way we said it would, tell us within 30 days of delivery and we fix it at no cost. That covers our own work. We quote a new request, another payer or provider, a scope change or a new build separately. You won’t get an invoice for fixing our mistake.

Everything stays in your name. Your NPPES record, CAQH/DataSpring profile, Medicaid portal accounts and payer contracts are yours, and so is the paperwork. You keep all of it if we stop working together.

What We Do With This

Pick your package and start with as few as one payer, from $450 per payer, per provider. Fill out the onboarding packet once and we’ll prepare the payer applications. You review and sign them, and nothing goes to a payer until you do. Then we submit and follow up, and the Command Suite that comes with your package shows each payer’s status and next step.

See Packages & Pricing Ask Practice Concierge

Rather see the process first? How credentialing works.

Payers control participation, timing, effective dates and reimbursement. Commercial credentialing usually takes 60 to 120 days per payer and we don’t promise a shorter answer. You complete and attest your own CAQH/DataSpring profile; we can’t attest for you. If you want us to maintain your profile, you share access securely and change the password when we’re done.

Not Sure Which Credentialing Package Fits?

Every credentialing package has a published price and a written scope. Tell us what’s changing in your practice and which payers you need, and we’ll point you to the right one.

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