Job Title: Collections Representative
Education: Associates in Applied Sciences, Trident Technical College
Previous Experience: I worked as a collections representative for a cemetery.
Job Tasks: I work for a health care system. I am the collections representative for all self-pay patients and for unpaid co-insurance, deductibles, and co-pays.
I review all self-pay accounts, to determine if they have insurance that was not provided at the time the services were rendered. If they have insurance, I give that information to the billing department to be filed.
If they do not have insurance, and it has been 30 days from the time of service, I turn the account over to our internal collections agency. After they have had the account for a certain period of time, they return the account to me to determine further action. The accounts that have not been able to be collected are sent to a first placement collections agency. Once they have the account for a period of time, it is sent back to me for review.
If there has still has been no activity, the account is placed with a second placement agency. If for a period of time, it is still uncollectable, it is returned to me and I review it for terms associated with sending it to the Department of Revenue for State income tax return garnishment. Certain criteria have to be met in order to garnish someone's state income taxes.
I also handle all probate and workers compensation claims. I review them to ensure they have what they need and make sure they are handled correctly. I also handle all phone calls related to the debt program for the state income tax garnishment program.
Best and Worst Parts of the Job: The best part of my job is my co-workers. We all have a great working relationship and are able to get along famously. The worst part about my job is having to send elderly people to the Department of Revenue because I know that they can't afford they payments, but there pride gets in the way of applying for financial assistance with the hospital. You can only help those who want to help themselves.
Job Tips: Anyone looking to start a career in collections must do the following:
1. You must not let anything get to you...people are going to say mean things, but just remember, they are just mad because they don't want to pay the bill. It is nothing personal.
2. You also have to be a great listener. You are the one deciding where these accounts go, so if you are not listening to a person's situation, you may put someone into collections that doesn't belong there.
3. You also have to be very organized and very detail oriented. If not, you will miss an insurance that needs to be filed and the time may run out to file if you overlook it!
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