What does the acronym stand for?

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Across
  1. 3. FI
  2. 4. IER
  3. 7. Cash Management System
  4. 8. PA
  5. 11. Claims Overpayment Recovery System
  6. 12. Electronic Funds Transfer
  7. 13. Other Party Insurance System
  8. 14. Coordination of Benefits
  9. 15. Utilization Management
  10. 19. SF
  11. 21. ADB
  12. 22. GF
Down
  1. 1. 72 hour time line
  2. 2. KML
  3. 5. PHI
  4. 6. NGF
  5. 9. Authorized Representative Form
  6. 10. customer contact center
  7. 16. Enrollment Communication System
  8. 17. BC
  9. 18. DWT
  10. 20. Out Of Area