Financial Counselor

$2,000 SIGN ON BONUS FOR EXTERNAL APPLICANTSOptum is a global organization that delivers care, aided by technology to help millions of people live healthier lives. The work you do with our team will directly improve health outcomes by connecting people with the care, pharmacy benefits, data and resources they need to feel their best. Here, you will find a culture guided by diversity and inclusion, talented peers, comprehensive benefits and career development opportunities. Come make an impact on the communities we serve as you help us advance health equity on a global scale. Join us to start Caring. Connecting. Growing together.Primary Responsibilities:Maintains up-to-date knowledge of specific admission, registration, and pre-registration requirements for all areasEnsures the pre-registration process is complete for all assigned accounts at least 5-days prior to the scheduled date of service whenever possibleVerifies insurance eligibility and benefits on all assigned accounts using electronic verification systems or by contacting payers directly to determine level of insurance coverage. When contacting payers directly, utilizes approved scriptingObtains referral, authorization and pre-certification information and documents this information in the ADT systemWhen appropriate, ensure the payer receives a Notice of Admission on all admissions, scheduled and non-scheduled, within 24-hours or the next business dayMeets CMS billing requirements for the completion of the MSP, issuance of the Important Message from Medicare, issuance of the Observation Notice, and other requirements applicable and documenting completion within the hospital's information system for regulatory compliance and audit purposesFollow up on missing authorizations. If authorization is not obtained within 48-hours prior to service, contact the patient to advise them of their financial responsibilityThoroughly and accurately documents insurance verification and authorization information in the ADT system, identifying outstanding deductibles, copayments, coinsurance, and policy limitations, and advises patient and collects amounts due at or before the time of serviceIdentifies any outstanding balance due from previous visits, notifies patient during the financial clearance process and requests patient paymentSets up payment plans for patients who cannot pay their entire current copayment and/or past balance in one paymentExplains the Payment and Billing Assistance Program to all patients regardless of financial concerns or limitationsInterviews self-pay patients to identify potential eligibility for government aid and/or other payer sources, including Medicaid presumptive eligibility. Follows appropriate policy and/or refers to eligibility vendorUnderstands and follows the "Delay/Defer" policy and escalates accounts that do not meet financial clearance requirements to Patient Registration leadership immediatelyFor patients who qualify, offers a flat rate discount based on estimated charges, percent of reimbursement, and/or hospital specific policy and procedureThoroughly and accurately documents the conversation with the patient regarding financial liabilities, agreement to pay and/or payment assistanceClarifies division of financial responsibility if payment for services is split between a medical group and an insurance company. Ensures this information is clearly documented in the ADT systemVerifies medical necessity check has been completed for outpatient services. If not completed and only when appropriate, uses technology tools to complete medical necessity checks and/or notifies patients that an ABN will need to be signedResponsible for reviewing assigned accounts to ensure accuracy, and to ensure required documentation is obtained and completeYou'll be rewarded and recognized for your performance in an environment that will challenge you and give you clear direction on what it takes to succeed in your role as well as provide development for other roles you may be interested in.Required Qualifications:High School Diploma/GED (or higher)2+ years of experience working in a hospital Patient Registration department, physician office setting, healthcare insurance company, revenue cycle vendor, and/or other revenue cycle-related role. (3 years preferred. Applicable education and/or training can be used to balance a lack of experience)1+ years of experience in customer service preferably in a healthcare environment1+ years of experience with working knowledge of facility pricing structure and cost estimatesPreferred Qualifications:Thorough understanding of insurance policies and proceduresThorough knowledge of charity care programs as well as various government and non-government payment assistance programs preferredBasic knowledge of ICD-9 (10) and CPT terminologyWorking knowledge of medical terminologyAble to perform basic mathematics for payment calculationExperience in requesting and processing financial paymentsIntermediate to advanced computer skillsExcellent interpersonal, communication and customer service skills **PLEASE NOTE** The sign-on bonus is only available to external candidates. Candidates who are currently working for UnitedHealth Group, UnitedHealthcare or a related entity in a full time, part time or per diem basis ("Internal Candidates") are not eligible to receive a sign on bonus. Pay is based on several factors including but not limited to local labor markets, education, work experience, certifications, etc. In addition to your salary, we offer benefits such as, a comprehensive benefits package, incentive and recognition programs, equity stock purchase and 401k contribution (all benefits are subject to eligibility requirements). No matter where or when you begin a career with us, you'll find a far-reaching choice of benefits and incentives. The hourly pay for this role will range from $17.98 to $32.12 per hour based on full-time employment. We comply with all minimum wage laws as applicable. At UnitedHealth Group, our mission is to help people live healthier lives and make the health system work better for everyone. We believe everyone-of every race, gender, sexuality, age, location, and income-deserves the opportunity to live their healthiest life. Today, however, there are still far too many barriers to good health which are disproportionately experienced by people of color, historically marginalized groups, and those with lower incomes. We are committed to mitigating our impact on the environment and enabling and delivering equitable care that addresses health disparities and improves health outcomes - an enterprise priority reflected in our mission. UnitedHealth Group is an Equal Employment Opportunity employer under applicable law and qualified applicants will receive consideration for employment without regard to race, national origin, religion, age, color, sex, sexual orientation, gender identity, disability, or protected veteran status, or any other characteristic protected by local, state, or federal laws, rules, or regulations. UnitedHealth Group is a drug - free workplace. Candidates are required to pass a drug test before beginning employment. #RPO, #REDBy applying, you consent to your information being transmitted to the Employer by SonicJobs.See United Healthcare Privacy Policy at and SonicJobs Privacy Policy at and Terms of Use at

Created: 2026-03-09