Insurance Claims ExaminerJob Description, Salary, Career Path, and Trends
Insurance claim examiners are essential to the insurance industry as they make sure all insurance claims are properly using due process during investigations.
Insurance claims examiners are often found working with health insurance claims and documentation. They are responsible for working with a patient’s health insurance to check if their policy covers their health expenses. Insurance claims examiners need to have a deep understanding of insurance laws to ensure legal compliance is being met when claim adjusters evaluate the insurance claims.
This job position involves a variety of duties and responsibilities. It is important for insurance claims examiners to have good customer service skills to be compassionate when dealing with customers that were denied claims. There are opportunities for promotion for hard-working insurance calms examiners like becoming a life insurance actuary or claims director.
Sample job description
Insurance claims examiners are critical to the insurance industry. They are responsible for evaluating and reviewing various insurance claims and applications to ensure the due process was followed during investigations. This allows insurance adjusters’ and claimants’ work to be double-checked before any claims are approved. Insurance claims examiners need to be knowledgeable about various insurance laws to make sure legal compliance is being met and to help claims adjusters when they need it. [Your Company] is on the lookout for an experienced insurance claims examiner. We’re specifically searching for someone with great organizational skills who can pay close attention to the claims they’re looking over. If you are diligent in your work and enjoy working in insurance, we recommend that you apply to our open position as an insurance claims examiner!
Typical duties and responsibilities
Determine covered medical insurance losses by studying provisions of policy or certificate
Establish proof of loss by studying medical documentation
Assemble information as required from outside sources, including claimant, physician, employer, hospital, and other insurance companies
Initiate or investigate questionable claims
Document medical claims actions by completing forms, reports, logs, and records
Resolve medical claims by approving or denying documentation, calculate benefits due, initiate a payment, or compose a denial letter
Ensure legal compliance by following company policies, procedures, guidelines, as well as state and federal insurance regulations
Maintain quality customer service by following customer service practices
Respond to customer inquiries
Education and experience
This position requires a high school diploma or equivalent. However, a bachelor’s degree is preferred.
Required skills and qualifications
Understanding of health insurance administration processes
Strong attention to detail
Knowledge of medical terminology
Excellent interpersonal skills
4+ years of claim handling experience and demonstrated proficiency in analyzing and handling claims
Excellent written and verbal communication skills
Average salary and compensation
The average salary for an insurance claims examiner is $58,250 in the United States. Position salary will vary based on experience, education, company size, industry, and market.
Los Angeles, California
Minneapolis-St. Paul, Minnesota
New York City, New York
Typical work environment
Insurance claims examiners typically work for insurance carriers or the government. Insurance claims examiners usually spend their time looking over various insurance claims, however, they sometimes take over various data entry and administrative tasks. While most insurance claims examiners work full time from 9 to 5 each day, there are some opportunities to work part-time depending on the company.
Many insurance claims examiners work 9 AM to 5 PM, Monday through Friday, in an office setting. However, some who work in companies that assist customers 24 hours a day could work other shifts.
There are several certifications available for insurance claims examiners to earn to help them succeed in their roles. Check out the following:
Associate in General Insurance (AINS). Earning the AINS is the perfect first step into becoming an insurance claims examiner. The course teaches the basic principles of insurance to help participants excel in their insurance roles. This includes insurance policies and regulations, life insurance planning, homeowners property coverage, insurer financial performance, and more. Earning the Associate in General Insurance will help its participants achieve their professional goals while attracting more potential employers by showing their willingness to go the extra mile to learn more!
Certified Insurance Examiner (CIE). Insurance professionals are awarded the CIE if they’ve been trained in a primary field of insurance and have met the proper membership and employment requirements. Applicants must successfully earn and become an Accredited Insurance Examiner, be an IRES member, and have three years of related work experience. Since many employers don’t require a Bachelor’s degree to become an insurance claims examiner, it is extremely valuable to earn certifications like the CIE to demonstrate your expertise in the area.
Insurance claims examiners must have at least a high school diploma or GED to be hired. Some companies prefer candidates to have a bachelor’s degree or some previous work experience in the insurance or health care fields. After being hired, insurance claims examiners will usually work on smaller, routine claims under the supervision of a more experienced examiner.
Learning company policies and guidelines, as well as federal and state insurance regulations, is vital for any Insurance Claims Examiner. They must also become acquainted with customary costs of typical medical services as well as their company’s customer service policies. Insurance claims examiners can moreover pursue professional certifications such as Associate, Life and Health Claims (ALHC) or Fellow, Life and Health Claims (FLHC) from the International Claim Association to further their careers.
US, Bureau of Labor Statistics’ job outlook
SOC Code: 13-1030
Projected Employment in 2030
Projected 2020-2030 Percentage Shift
Projected 2020-2030 Numeric Shift
The call for more pricing transparency by health insurance companies is an important trend industry analysts are watching in the coming years. The scrutiny could likely lead to more government regulations on the health insurance industry, which means insurance claims examiners will need to stay abreast of regulatory changes and how that could affect patient coverage.
Another trend in the health insurance industry is the use of predictive analytics. Insurance companies are using big data to help high-risk customers be more proactive about their health to mitigate insurance losses later. That could lead to an influx of more health insurance claims as patients seek out preventive treatments earlier and more often, rather than wait until a significant health issue arises to seek care.
Sample interview questions
Tell us about yourself and why you’re interested in this position.
How do you process claims?
How well do you manage your time? How do you stay organized?
Tell us how your last job prepared you for this position as an insurance claims examiner.
What qualities do you possess that will help you succeed as an insurance claims examiner at our company?
How would you deal with a hostile customer who is unhappy with your examination?
What do you believe is your role in assisting insurance adjusters and claimants?
What would you do if there was important information missing during your examination?
How would you handle a situation involving a disagreement with the insurance adjuster regarding the amount paid to the claimant?
How do you ensure consistency in evaluating damages?
What would you do to prepare for an interview with a legal representative?
How do you ensure compliance with due process in investigations?
Describe your negotiation skills.
How would you make sure you wouldn’t miss any important information that could affect the amount given to the claimant?
How do you manage stress?
If a customer got into a car accident and you confirmed they will need a repair on part of the car, but they want the whole part to be replaced, how would you handle the situation?
Are you willing to visit other sites outside of business hours?
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