Finance Tips

If you’re thinking about entering the medical billing or medical coding field you’ll be glad to know that there is a strong demand for qualified, experienced medical billers and medical coders. I discovered that medical coding first came into being because there was a need to standardize and organize all the new technologies and medical and surgical procedures. So much new information has surfaced over the years that improved medical billing and coding techniques were necessary.

Insurance companies and health care providers needed these codes to help classify claims. Because of this need for better coding and billing practices, the demand for billers and coders increased. This has made billing and coding jobs the fastest growing area in health care.

Besides working for large billing services, there is a huge need in insurance companies, large clinics, doctor’s offices and other healthcare facilities. These companies are looking for experienced and educated people. Making mistakes in billing can cause a lot of problems legally. So usually they prefer that an individual has experience or good medical billing training.

There are no state requirements for certification. You can take one national certification exam to get a certificate in medical billing as a Specialist but it’s not a state requirement. The organizations that offer the exams are not state or federal organizations. Medical coding also has no state requirements for certification.

Although on occasion an employer may hire someone with no experience, it’s possible that if you have related experience they may decide to hire and train you using their expensive software. But generally they would like you to have some experience or medical coding or medical billing training through a college, university, trade school or online school.

Can you get a job in coding or billing? This is a copy of the wording in a classified ad in our local newspaper today to give you an idea of what to expect. Make sure to check all your local newspapers and surrounding newspapers to see what’s stated in the ads. Here it is: “Medical Billing Specialist, full time, permanent position, Monday through Friday, flexible hours, requires insurance/Medicare billing experience. Electronic billing required. Long term care experience helpful. Basic computer skills required. Competitive salary. Submit resume.”

Ads can vary in many ways. You can call these companies and find out a lot of information too about future hiring and if they ever have any other medical billing or coding jobs that don’t require as much experience or education.

Medical coders with little experience may start out their career at $9 to $10 an hour and work up to $35 to $45 an hour. You can see it won’t take long to get experience and your value as an employee will be rewarded with a higher hourly rate. Once you have this experience you’ll be able to move into other companies at a higher salary. But there is much more to know about how to get your training online or offline and how to get it cheap and avoid scams. Federal money is available for online classes too.

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When you take the opportunity to insure your life you will have to go through a thorough medical examination. The main reason for insurance providers to require a thorough medical check from their customers is to determine how much to charge for their services. If you have a high risk of death at an earlier stage then the company will charge a higher premium in order to collect more money for the service while you are still around. If the risk is low they will put a lower premium because you will be considered a lower risk that isn’t likely to require death benefit payout anytime soon.

Insurance providers use two main factors for defining how it is likely that their client will cease to exist: longevity charts and medical examinations (including history as well).

Longevity charts represent a statistical interpretation of mortality rates across different demographical groups. In other words, by using these charts the insurance company is able to learn how it is likely that a person will die at a certain stage of life and in a certain region. This is crucial for determining how much of a risk a person is when they come to the insurance company’s office. For example, the longevity chart shows that a man of 50 years old is much likely to decease than a woman of the very same age and living in the same area. Taking this into account, the insurance company will charge a man with a higher rate than a woman because the higher is the risk, the higher is the premium paid. That’s why older people always have higher life insurance rates than children, because they represent a higher risk to the company.

Medical examination and medical history give a more personalized and in-depth understanding of the customer’s risk potential to the company. In most cases the examination is undertaken directly at the office or at your home, unless your life insurance provider requires a more thorough examination of any particular system or condition. The following are the most common things you will be asked about when getting your life insurance quotes:

1. Personal medical history
2. Family medical history
3. Your primary physician’s contact information
4. Lifestyle factors (drinking, smoking, substance abuse)
5. The amount of insurance coverage you want to get

The following procedures are very common for the medical exam held by your insurance provider:

1. Height and weight measurement
2. Blood pressure and pulse measurement
3. Blood and blood vessel condition (lipids, glucose, hormones, viruses)
4. Urinalysis

After you pass the medical exam the insurance provider will analyze the results and set a corresponding premium according to the state of your health. Sometimes it takes up to a couple of months to analyze this information. In case you feel that there was something wrong or the company refused you, it’s better to ask the insurance to send you a copy of their final conclusion to you and your doctor. This might be very important especially if you want to get cheap health insurance from another company.