Working with Third-Party Payers and TPAs
1. Understanding TPAs (Third-Party Administrators) ✔ TPAs manage health plans on behalf of employers or insurers✔ They process claims, handle eligibility, and authorize services✔ TPAs
1. Understanding TPAs (Third-Party Administrators) ✔ TPAs manage health plans on behalf of employers or insurers✔ They process claims, handle eligibility, and authorize services✔ TPAs
1. Understand Coordination of Benefits (COB) ✔ COB happens when a patient has more than one insurance plan✔ Insurance carriers decide who pays first (primary
1. In-Network Billing Basics ✔ Providers have signed contracts with the payer✔ Claims are paid based on agreed fee schedules✔ Patients have lower copays and
1. Patient Demographics Review ✔ Confirm patient’s full name, date of birth, and contact details✔ Validate insurance card details against ID✔ Update any changes before
1. Top Commercial Payers & Access ✔ Aetna: Availity portal for eligibility, claims, and authorizations✔ UnitedHealthcare: UHCprovider.com for real-time claim tools✔ Cigna: CignaforHCP.com for benefits
1. Patient Insurance Verification ✔ Confirm patient’s active insurance coverage✔ Identify if prior authorization is required for services✔ Record payer-specific authorization rules and codes 2.
1. Medicare Overview ✔ Federal program for patients aged 65+ or with disabilities✔ Covers Part A (hospital), Part B (outpatient), Part C (advantage), Part D
1. Eligibility and Enrollment ✔ Verify the patient’s Medicare Part A, B, C, or D coverage✔ Confirm the provider is enrolled and approved by Medicare✔
1. Proper Documentation Practices ✔ Maintain detailed notes for every service billed✔ Match diagnosis codes with medical necessity✔ Record patient consent and service time accurately
1. Timely Filing Requirements ✔ Submit Medicare claims within 12 months of the service date✔ Check payer-specific deadlines for Medicaid or MACs✔ Recheck claims before
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