Financial Counselor

CURRENT BRONSON EMPLOYEES - Please apply using the career worklet in Workday. This career site is for external applicants only. Love Where You Work! Team Bronson is compassionate, resilient and strong. We are driven by Positivity which inspires us to be our best and to go above and beyond for our patients, for one another, and for our community. If you’re ready for a rewarding new career, join Team Bronson and be part of the experience. Location BHG Bronson Healthcare Group Title Financial Counselor The Financial Counselor is responsible for meeting with patients/guarantors, who require assistance in seeking and applying for healthcare funding (e.g., Charity Care, Medicaid, or other local/governmental funding program) and/or require assistance in reviewing and establishing payment options. The Financial Counselor is responsible for a broad spectrum of duties, beginning with the initial patient contact, via the pre-admit/pre-registration functions and ending with the control and maintenance of the patient's account until discharge. Within this range, the Financial Counselor is responsible for determining the financial status of the patient during the financial counseling process. Performs cashiering and customer service functions. Employees providing direct patient care must demonstrate competencies specific to the population served. Associate’s degree or equivalent combination of education and experience; and 2 years within a hospital or clinic environment, insurance company, managed care organization, or other financial service setting, performing financial counseling, financial clearance and/or customer service activities required Notary public credentials preferred. • Knowledge of insurance and governmental programs, regulations and application processes (e.g., Medicare, Medicaid, Social Security Disability, Champus, Supplemental Security Income Disability, etc.), managed care contracts and coordination of benefits is required • Working knowledge of medical terminology desirable • Data entry skills (50-60 keystrokes per minutes) • Basic Computer skills preferable • Accuracy, attentiveness to detail and time management skills are required • Must be able to set and organize own work priorities, and adapt to them as they change frequently • Must be able to work concurrently on a variety of tasks/projects in an environment that may be stressful with individuals having diverse personalities and work styles • Excellent problem solving skills are essential • Excellent communication (verbal and written) and organizational abilities • Must develop positive relationships with clinical staff to maximize the benefit and effectiveness of the financial counseling function (e.g., Nursing notifies Financial Counselor of when an elusive family member is visiting patient); accuracy, attentiveness to detail and time management skills are required • Must be comfortable operating in a collaborative, shared leadership environment Knowledge of insurance payer regulations and requirements Knowledge of revenue cycle components and his/her role in the ability to impact the overall process. Work which produces very high levels of mental/visual fatigue, e.g. CRT work between 70 and 90 percent of the time, and work involving extremely close tolerances and considerable hand/eye coordination for sustained periods of time. The job produces some physical demands. Typical of jobs that include regular walking, standing, stooping, bending, sitting, and some lifting of light weight objects. • Ensures patient safety by authenticating patient identity throughout all essential functions. • Meets or exceeds established customer service, productivity and quality standards in all essential functions. • Maintains a working knowledge of applicable Federal, State, and local laws and regulations, Standards of Conduct, as well as other policies and procedures in order to ensure adherence in a manner that reflects honest, ethical, and professional behavior. • Performs activities that relate to financial counseling for multiple patient types (Inpatient Admissions, Outpatient Observation and Bedded Outpatients, Diagnostic Outpatients, Ambulatory Surgery, Emergency Department Registrations, Series accounts, etc.). Frequent communications will occur with patients/family members/guarantors, 3rd party payers, local/governmental agencies, attorneys, employers, physicians/office staff and contracted vendors/agencies. Internal contacts include the Patient Accounting, Patient Access, Social Work Services, Utilization Review/ Case Management, Ancillary and Nursing department staffs. Assists patients in the completion of applications for all applicable funding sources. • Performs financial counseling on uninsured and under-insured patients on a pre-service, time-of-service and post-service basis. May interview patient and/or their representative either by telephone or in-house to accurately update demographic, clinical, financial and insurance data necessary to complete the financial counseling process. Activities may occur in multiple locations, including patient access points of service, ancillary departments, patient nursing units, Emergency Department, as well as via telephone. Reviews prior account notes for any information that might aid in the application/payment process, as well as documents all encounters and actions. • Informs patient/guarantor of their liabilities and collects appropriate patient liabilities, including co-payments, co-insurances, deductibles, deposits and outstanding balances at the point of pre-registration. May calculate patient liabilities; conduct credit scoring and propensity to pay modeling in order to determine the patient/guarantor’s ability and propensity to pay for services. Provides financial education and outlines potential funding options, as appropriate. In the collection of funds, the incumbent documents payments/actions in the patient accounting system and provides the patient with a payment receipt. • Seeks appropriate funding based upon patient requirements, collecting supporting documentation (payroll stubs, tax returns, credit history, etc.), as required. Provides information and education to the patient, family member and/or guarantor of the application/documentation process. In so doing, the incumbent will encourage patient participation in the funding process and will assist the patient in forwarding the required documentation and application to the appropriate funding agency: • Counsels patient/guarantor on patient’s financial liability, third-party payer requirements and outside financial resources, including private organizations and foundations, eligibility vendor(s), Medicaid, Medicare, Champus, and/or federal disability programs, etc.; • Counsels patient/guarantor of payment plan options and establishes appropriate plan; • Investigates No Fault and Workers’ Compensation cases, retrieving police report and insurance information, as required; • Assists patient/guarantor in completing applications for applicable funding sources, financial statement and/or payment contract when required according to hospital policies. Analyzes such applications along with income/resident documentation in order to advise the patient of available options. Initiates requests for charity write-off, when appropriate; • Analyzes financial and eligibility data, and length of disability to determine potential eligibility for federal, state, and/or county programs, completing the necessary documents within the time limits specified by the appropriate government agency; • Determines and manages proper course of action for optimal reimbursement of healthcare charges (e.g., spend down eligibility, out-of-network, Cobra coverage, etc.); • Informs patient/guarantor and assists patient in application process, ensuring that adjustments are requested and completed; and • Responsible for monitoring accounts in the eligibility pending financial class • Follows-up on eligibility applications status and provides appeal assistance, as appropriate. • Works with contracted vendors/agencies to qualify applicants, reviewing each case prior to agency placement. • Provides pricing estimates and communicates pre-service patient liability based on expected charges and potential coverage, as requested. • May serve as a notary public, notarizing documents for patients, physicians and customers. • May serve as a liaison for various departments, including but not limited to: • Social Work Services in establishing Medicaid pending cases for placement in long-term care facilities or home healthcare. • Utilization Review/Case Management in obtaining funding for additional services required after discharge (durable medical equipment, home health, nursing services, etc.) • May serve as relief support, if the work schedule or work-load demands assistance to departmental personnel. May also be chosen to serve as a support resource to train new employees. Cross- training in various functions is expected to assist in the smooth delivery of departmental services. • Performs cashiering functions, including payment receipt and posting; balancing and recording of bank deposits and balancing of cash drawer; performs cash refunding, adjustments and transfers; maintains petty cash drawer; and other duties to prepare patient accounts for billing prior to and following discharge in order to maximize payment from all sources, to prevent collection issues and to control bad debt. Provides customer service functions such as responding to patient inquiries, generating itemized bill, processing refunds. • Performs other duties as needed and assigned by the Manager/Supervisor. Shift Time Type Full time Scheduled Weekly Hours 40 Cost Center 1203 Call Center/Financial Counselors (BHG) Agency Use Policy and Agency Submittal Disclaimer Bronson Healthcare Group and its affiliates (“Bronson”) strictly prohibit the acceptance of unsolicited resumes from individual recruiters or third-party recruiting agencies ("Recruiters") in response to job postings or word of mouth. Unsolicited resumes sent to any employee of Bronson by Recruiters, without both a valid written agreement with Bronson and a direct written request from the Bronson Talent Acquisition Department for a specific job position, will be considered the property of Bronson. Furthermore, no fees will be owed or paid to Recruiters who submit resumes for unsolicited candidates, even if those candidates are hired. This policy applies regardless of whether the Recruiter has a pre-existing agreement with Bronson. Only candidates submitted through a specific written agreement with the Bronson Talent Acquisition Department for a named position are eligible for fee consideration. Please take a moment to watch a brief video highlighting employment with Bronson! Bronson Healthcare is a community-owned, not-for-profit health system that has been serving southwest Michigan since 1900. Today, with a workforce of 9,000 people and 1,500 medical staff members, it is the area’s largest employer and leading healthcare system. Bronson provides care in virtually every specialty and offers a full range of services from primary care to critical care at more than 100 locations. Bronson’s exceptionally high quality standards enable us to do what’s right for our patients and their families. We are empowered as individuals and as teams, to apply our skills and experience so that every patient receives safe, timely and effective treatment. What’s more, our state-of-the-art, technology and evidence-based processes give us the tools we need to deliver the right care, at the right time. By putting each patient and their family at the center of our work, we demonstrate the dignity and respect we have for each individual we serve. This unwavering commitment to serving others combined with our unique healing environment helps make the patient experience here an exceptional one. The excellence and Positivity of our employees and medical staff has contributed to Bronson Healthcare being ranked by Forbes as one of America’s Best-In-State Employers (2022-23), by Newsweek as one of America’s Greatest Workplaces for Women (2023) and by the National Association for Business Resources as one of the 2023 Top 101 Best and Brightest Companies to Work For.