Utah Business

Many people are still wondering as to whether or not the Car Insurance Online plans are actually the cheapest they can get. In order to explain how much cheaper they are, we need to look at it in a business prospective. These online auto insurance companies have a call center filled with representatives that make a middle income wage and very few other higher paid employees. They do not have all of the over-head as the standard independent agent does and their main goal in business is to get bulk policies written on a daily basis.

With regards to the local auto insurance offices, they have to pay for a secretary and make sure that they make enough money to live off from. Virtually everyone in the office is an insurance agent which means that they demand a higher income versus call center representatives. They have office rent, gas, bills and the like. Their focus is on personal service and for this you will pay more.

In the end, it is clear to see that the online auto insurance plans are by far much cheaper then any local agent could ever hope to offer. However, in choosing them, you do get both the good and the bad. A local agent cost more, but any time there is a problem day or night, you can speak to the same person and get the problem resolved. The online companies also have 24 hour hotlines, but this too goes to a call center and the chances of you speaking to a different person every time is very good.

So what it comes down to is as to whether or not you could live without this personal service. More and more people are turning away from the local independent insurance agents because they have found no use for their personalized service and prefer to save the substantial amount in their monthly premiums in the process. If you feel as if this personalized service is a waste of money too, then for you the online Car Insurance Quotes will most likely be your best option.

That is all that the difference between the online auto insurance companies and the local agents. The local agents increase their monthly premium rates so that they are being paid even if you have to call them in the middle of the night because your car broke down on the side of the road. With the online service, you still have someone to call, but the difference is that every time you call, you may have to speak to someone entirely different. Ultimately the choice of savings is up to you, but if you want the extra cash every month and are not as worried bout personalized service, then by far, online auto insurance is drastically cheaper.

When I worked in the admissions office of an allied health college, my primary responsibility was enrolling prospective students in the school’s medical assistant, dental assistant, massage therapy, health information management and billing & coding programs.

To the college I was just a salesman with a quota to fill. To me, I was a professional responsible for providing a high school senior, a drop out with a GED or a person “re-careering” with objective information to help them make a decision that could effect their life for quite some time. I wanted to do my part to help that person get the most out of the time and money they were willing to invest in themselves.

A common theme with many of the students I enrolled in the medical billing & coding program was an interest in a health care career without the “blood and guts” (a term I remember using to relax and get a smile from the student); or in other words the close contact with patients that would be experienced by a medical or dental assistant. For them, an administrative position like billing & coding was just what the doctor ordered (pun intended).

In this school, like many others, the medical billing & coding program was combined and came in two flavors: a nine month certificate program and an eighteen month degreed program. The difference? At the conclusion of the nine month program, the student received a certificate (not to be confused with a diploma) documenting their completion of the coursework.

The student was also prepped to take the American Health Information Management Association’s (AHIMA) Certified Coding Specialist (CCS) exam. Upon passing the exam, the student was awarded the CCS credential. At the conclusion of the eighteen month degreed program, the student would have earned an associate’s degree and, like the certificate program, would be prepped to take the CCS exam.

If I used any sales tactics it was to persuade the typical billing & coding student to enroll in the degreed program. By typical I mean a person with a high school diploma/GED and little to no practical work experience. The reason? Not because the school made more money (they did), but because I firmly believed – and still do – in education as the best way for someone to better themselves personally and professionally.

To me the certificate program was a strong second choice and usually selected by those students that, among other things, wanted to get in to the workforce faster or couldn’t afford the degreed program. As I mentioned earlier, upon graduation the student would receive a certificate stating that they completed the coursework and be prepped to take the CCS exam. To me the real value was taking and hopefully earning the CCS credential.

There are several credentials that can be earned by a medical billing and coding professional. Credentialing is a big deal. Why? Having those letters after you name (e.g. Jane Doe, CCS) proves that you have demonstrated the knowledge, skills and ability required to pass an exam issued by a nationally recognized American Medical Association (AMA) sanctioned organization. In the world of medical coding there are two organizations offering credentialing sanctioned by the AMA: AHIMA and the American Academy of Professional Coders (AAPC).

When you check out the AHIMA and AAPC websites – and I really hope that you do – you will notice that their credentialing programs are all about medical coding. You may have visited the websites of some allied health colleges and noticed that their medical billing & coding programs are really a bunch of medical coding classes with a couple of billing courses thrown in for good measure.

I think there are a couple of reasons why most curriculums focuses the bulk of their coursework on coding rather than billing:

:: Students are more “employable” with combined coding and billing skills

:: The health care industry is placing more value on coding skills

:: Medical billing can be learned on the job and requires little to no technical knowledge

I may repeat this in other posts but if you really are thinking about making the financial and personal commitment to a medical billing or a billing & coding program, I can’t stress enough the importance of performing your due diligence so you can make the quality decisions that will put you in the best possible position to be successful.

By due diligence I mean partnering with a parent, mentor or someone else you trust to be honest and objective to help guide you in your decision making process. You also need to be completely honest with yourself, know your strengths and weaknesses and apply that knowledge to your decision making process. For example, if you struggled in high school or have a learning disability you may not be able to pass the coursework and should consider other employment options. On the other hand if you were an outstanding student you might consider pursuing an undergraduate degree in health information management (see AHIMA.org for more information about a health information management program).

You should consult with the AHIMA and AAPC websites to see of there are schools near you on their approved list. I do know the AAPC also offers Internet-based or distance learning courses. If you are considering a program not approved by either organization then be sure to at least check out the school on the Better Business Bureau website and Google to see what previous students have to say.

Finally – and I’m probably get some hate mail – but please be very wary about any company offering medical billing correspondence courses and certificates. You will find out the certificates aren’t worth the paper they’re printed on when it comes time to find a job. Why? There is no AMA sanctioned body that issues medical billing certifications. The certificate is simply documentation showing that you took and passed some billing training program.

I can’t tell you how many times someone sent me a resume just because they had completed a medical billing correspondence course. I would not hire anyone with no prior experience. Why? I don’t want to train a newbie and can’t afford the liability exposure – someone not knowing what they’re doing can run off clients. I stick by this hiring policy after learning the hard way. Bottom line – no prior experience, no job.

Sources:

American Health Information Association (ww.AHIMA.org)

American Association of Professional Coders (ww.AAPC.com)

Also see:

“Billing and Posting Clerks and Machine Operators” Occupational Outlook Handbook 12 December 2007 http://ww.bls.gov/oco/ocos277.htm

“Medical Records and Health Information Technicians” Occupational Outlook Handbook 12 December 2007 http://ww.bls.gov/oco/ocos103.htm