Sanford Health is an integrated healthcare and health insurance system serving communities across America’s heartland. Headquartered in Sioux Falls, South Dakota, it supports more than 1.4 million patients and nearly 200,000 health plan members through a broad network of medical centers, clinics, senior living communities, physicians, and advanced practice providers. Its work spans direct patient care, insurance, clinical research, and personalized genetic medicine, with specialized programs in areas including cancer, orthopedics, women’s health, and genetics.
Financial Counselor - Sanford Health (Fargo, ND)
Help Sanford Health patients understand medical bills, insurance coverage, and payment options. Provide cost estimates, arrange payment plans, and guide patients through financial assistance programs.
Description
- Respond to patients' billing questions
- Review insurance coverage and Explanation of Benefits (EOB) statements
- Explain incurred charges and the reasons behind them
- Help patients understand insurance claim denials
- Explain payment plan policies and support payment arrangements
- Assess eligibility for financial assistance and help patients complete applications
- Teach patients about insurance terms, coverage, referrals, and effective dates
- Support medical assistance documentation and referrals to Medicaid, insurance assistance, and disability programs
- Discuss healthcare costs with uninsured patients and establish payment plans
- Meet with patients in person, provide empathetic support, and de-escalate difficult interactions
- Calculate procedure estimates and expected out-of-pocket costs
- Explain and collect prepayments for services excluded from insurance coverage
- Handle guest service responsibilities as needed
- Complete additional duties as assigned
Requirements
- Use online systems and complex software with advanced functionality
- Apply oral and written communication skills to interpret policies and procedures and resolve problems
- Understand third-party payers and basic bookkeeping or accounting principles
- Read insurance products and Explanation of Benefits statements accurately to identify adjustments, payments received, and outstanding balances
- High school diploma or equivalent preferred
- Post-secondary education preferred
- Two years of experience in healthcare services or health insurance preferred