It's a bit of a mess that's for sure. Fortunately, my biller is my wife so she has online access to the bank account. Otherwise, she says she wouldn't be able to make sure the deposits are there until the end of the month when the bank statements get sent. Plus the Medicaid deposit is always a little different than their EOB because of a transaction fee the state of Arkansas charges.
Medicare, Medicaid, BC/BS are the only one we have direct deposited. They send their EOBs electronically to our PM system. Quite a bit more difficult to read than a printed EOB I think. BC/BS has agreed to send us the printed EOBs again because of the terrible format of their electronic eobs.