
Module 1 Health Insurance Specialist - Roles and Responsibilities
Objectives - Upon successful completion of this chapter, you should be able to:
1. Define key terms.
2. Explain the reasons for increasing employment opportunities for health information specialists.
3. Prepare a list of career opportunities for health information specialists.
4. List and discuss the basic skill requirements for aspiring health information specialists.
5. Describe the responsibilities of health information specialists.
6. Name three professional organizations dedicated to working with health information specialists and identify professional credentials for each.
Covered Topics
Health Insurance Overview
Basic Skill Requirements
Health Insurance Specialists Responsibilities
Professional Credentials
Module 2 Introduction to Health Insurance
Objectives - Upon successful completion of this chapter, you should be able to:
1. Define key terms.
2. State the difference between medical care and health care.
3. Differentiate between disability and liability insurance.
4. Discuss the history of health care reimbursement from 1860 to the present.
5. Identify and explain the impact of significant events in the history of health care reimbursement.
6. Interpret health insurance coverage statistics.
Covered Topics
What is Health Insurance?
Disability and Liability Insurance
Major Developments in Health Insurance
Health Insurance Coverage Statistics
Module 3 Managed Health Care
Objectives - Upon successful completion of this chapter, you should be able to:
1. Define key terms.
2. Compare managed care with traditional health care insurance.
3. Discuss the history of managed care in the United States.
4. List managed health care federal legislation according to year, and provide legislative summaries of each.
5. Delineate the role of a managed care organization.
6. Apply the concept of capitation, as it is associated with managed care.
7. Interpret a manage care profile map that details HMO penetration rates.
8. Explain the role of a gatekeeper in managed care.
9. Identify and explain activities conducted by managed care organizations or their representative organizations (e.g., third-party administrators).
10. Describe six managed care models and provide details about each.
11. Differentiate between the two organizations that accredit managed care organizations.
12. Implement administrative procedures so that the physician's practice appropriately responds to managed care organization program activities.
Covered Topics
History of Managed Health Care
Managed Care Organizations
Six Managed Care Models
Accreditation of Managed Care Organizations
Effects of Managed Care of a Physician's Practice
Module 4 Life Cycle of an Insurance Claim
Objectives - Upon successful completion of this chapter, you should be able to:
1. Define key terms.
2. Conduct a new patient interview.
3. Discuss the life cycle of an insurance claim.
4. Determine insurance coverage when a patient has more that one policy or a child covered by both parents.
5. Explain how to process an established patient return visit insurance claim.
6. Perform post clinical checkout procedures.
7. Differentiate between manual and electronic claims processing procedures.
8. Detail the processing of a claim by an insurance company.
9. Interpret information on an explanation of benefits form.
10. Maintain a medical practice's insurance claim files.
11. Identify problems that result in delinquent claims and resolve those problems.
Covered Topics
Development of the Claim
New Patient Interview and Check-in Procedure
Established Patient Return Visit
Post-Clinical Checkout Procedures
Insurance Company Processing of a Claim
Maintaining Insurance Claim Files
Delinquent Claims
Module 5 Legal and Regulatory Considerations
Objectives - Upon successful completion of this chapter, you should be able to:
1. Define key terms.
2. Provide examples of a statute, regulation and case law.
3. Explain the use of the Federal Register.
4. Discuss ways the insurance specialist can obtain information about new laws and regulations.
5. Give examples of breaches of confidentiality.
6. State the importance of obtaining the patient's signature for the "Authorization for Release of Information" statement on the CMS-1500 claim.
7. Identify two classifications of patients who are not required to sign the "Authorization for Release of Information" statement on the CMS-1500 claim.
8. Explain how the patient authorization for release of information is obtained for electronic claims.
9. Verify a legitimate telephone request for patient information.
10. Process facsimile (fax) requests for patient information.
11. Prepare a confidentiality notice to serve as the first page of faxed patient information.
12. Establish a patient record retention policy for the physician's office.
13. Summarize the CMS Internet Security Policy and the Stark II regulations.
14. List the components of the Health Insurance Portability and Accountability Act of 1996 (HIPAA), and explain the health care impact of each.
15. Outline the elements of the Compliance Program Guidance for Physician Practices and the Payment Error Prevention Program.
16. Implement CMS's National Correct Coding Initiative (CCI).
17. Provide and example of unbundling.
18. Differentiate among the NPI, PlanID, EIN, and patient identifier.
19. List the scheduled implementation dates for CMS's electronic health care standards and privacy standards.
20. Explain how overpayments are recovered.
Covered Topics
Introduction to Legal and Regulatory Considerations
Confidentiality of Patient Information
Claims Information Telephone Inquiries
Facsimile Transmission
Confidentiality and the Internet
Retention of patient Information and Health Insurance Records
Employee Retirement Income Security Act (ERISA)
Medical Necessity
Federal False Claims Act
Health Insurance Portability and Accountability Act of 1996 (HIPAA)
Module 6 ICD-9 Coding
Objectives - Upon successful completion of this chapter, you should be able to:
1. Define key terms
2. Discuss the difference between "primary diagnosis" and "principal diagnosis".
3. Explain the purpose of reporting diagnosis codes on insurance claims.
4. List and apply CMS guidelines in coding diagnoses.
5. Identify and properly use ICD-9-CM's special terms, marks, abbreviations and symbols.
6. Accurately code all diagnoses according to ICD-9-CM.
Covered Topics
Introduction to ICD-9-CM
Outpatient Coding Guidelines
Primary and Principal Diagnoses
Principal versus Secondary Procedures
Coding Qualified Diagnoses
ICD-9-CM Coding System
ICD-9-CM Index to Diseases
Basis Steps for Using the Index to Diseases
ICD-9-CM Tabular List of Diseases
Index to Procedures and Tabular List of Procedures
ICD-9-CM Index to Disease Tables
Supplementary Classifications
Coding Special Disorders
Considerations to Ensure Accurate ICD-9-CM Coding
ICD-10-CM: Diagnostic Coding for the Future
Module 7 CPT Coding
Objectives - Upon successful completion of this chapter, you should be able to:
1. Define key terms.
2. Discuss the importance of carefully proofreading all code numbers reported on a claim.
3. Explain the format of CPT.
4. Compare ICD-9-CM to CPT.
5. Explain why modifiers were developed for CPT.
6. Determine the level of evaluation and management service.
7. Differentiate between a new and an established patient.
8. List requirements for assigning emergency department and critical care codes.
9. Explain the difference between a consultation and a confirmatory consultation.
10. Discuss qualifications for a "preventive medicine visit".
11. Define "global surgical period" as used in CPT and as applied the insurance industry.
12. Explain the significance of the asterisk next to a CPT code (starred procedure).
Covered Topics
CPT Coding System
CPT Categories, Subcategories and Headings
CPT Index
CPT Modifiers
Basic Steps for Coding Procedures and Services
Surgery Section
Coding Special Surgery Cases
Medicine Section
Radiology Section
Pathology / Laboratory Section
Evaluation and Management Section
Evaluation and Management Categories
Module 8 HCPCS Coding System
Objectives - Upon successful completion of this chapter, you should be able to:
1. Define key terms
2. Describe the three HCPCS levels.
3. State the characteristics of the HCPCS level II coding system.
4. Differentiate types of HCPCS level II codes.
5. Assign HCPCS level II codes and modifiers.
6. Identify claims to be submitted to DMERC, LMC or both, according the MCPCS level II code number.
7. Clarify situations in which both HCPCS level I and II codes are assigned.
Covered Topics
HCPCS Coding System
HCPCS Level II Codes
Determining Carrier Responsibility
Assigning HCPCS Level II Codes
Module 9 CMS Reimbursement Issues
Objectives - Upon successful completion of this chapter, you should be able to:
1. Define key terms.
2. Explain the historical development of CMS reimbursement systems.
3. List and define each CMS payment system.
4. Apply special rules for the Medicare physician fee schedule payment system.
Covered Topics
Historical Perspective of CMS Reimbursement Systems
CMS Payment Systems
Ambulance Fee Schedule
Ambulatory Surgical Centers (ASC)
Clinical Lab Diagnostic Fee Schedule
Durable Medical Equipment, Prosthetics / Orthotics and Supplies Fee Schedule
Home Health Prospective Payment System
Hospital Inpatient Prospective payment System
Inpatient Rehabilitation Facility Prospective Payment System
Long-term Care Hospitals Prospective Payment System
Skilled Nursing Facility (SNF) Prospective payment System
Medicare Physician Fee Schedule
Anesthesia, pathology / laboratory and Radiology Services
Module 10 Coding for Medical Necessity
Objectives - Upon successful completion of this chapter, you should be able to:
1. Define key terms.
2. Select and code diagnoses and procedures from case studies and sample records.
Covered Topics
Applying Coding Guidelines
CPT / HCPCS Billing Considerations
Coding from Case Scenarios
Coding from Clinic Notes and Diagnostic Test Results
Coding Operative Reports
Module 11 Essential CMS-1500 Claim Instructions
Objectives - Upon successful completion of this chapter, you should be able to:
1. Define key terms.
2. Discuss billing guidelines for the following cases: inpatient medical, inpatient/outpatient global surgery, medical/surgical and minor surgery.
3. Apply optical scanning guidelines when completing claims.
4. Discuss reporting guidelines and restrictions covering the following claim items: accept assignment, assignment of benefits, diagnoses, data entry, procedures, modifiers, charges, diagnostic reference numbers and units (on Line 24 of the CMS-1500 claim).
5. Explain why the billing entity's employer tax identification number (EIN) should appear on the claim rather than the provider's Social Security Number.
6. State the processing steps that must occur before a completed claim can be submitted to the payer.
7. Create a "tickler" filing system for completed claims.
Covered Topics
General Billing Guidelines
Optical Scanning Guidelines
Assignment of benefits / Accept Assignment
Reporting Diagnoses: ICD-9-CM Codes
Reporting Procedures and Services: HCPCS
National Standard Employer Identifier Number
Reporting the Billing Entity
Processing Secondary Claims
Common Errors That Delay Processing
Final Steps in Processing Paper Claims
Maintaining Insurance Claim Files for the Practice
Module 12 Filing Commercial Claims
Objectives - Upon successful completion of this chapter, you should be able to:
1. Differentiate between primary and secondary commercial claims.
2. Complete commercial primary and secondary fee-for-service claims accurately.
3. Complete commercial primary supplemental fee-for-service claims accurately.
4. Create a comparison chart as an aid to mastering the detail of completing claims.
Covered Topics
Commercial Claims
Step-by-Step Claim Instructions - Blocks Entering Patient and Policy Information
Step-by-Step Claim Instructions - Blocks Dates of Service and Diagnosis Codes
Step-by-Step Claim Instructions - Block Procedures, Services and Supplies
Step-by-Step Claim Instructions - Blocks Provider Information
Commercial Secondary Coverage
Modifications to Primary CMS-1500 Claims
Modifications to Secondary CMS-1500 Claims
Module 13 Blue Cross and Blue Shield Plans
Objectives - Upon successful completion of this chapter, you should be able to:
1. Define key terms.
2. Explain the function of the national Blue Cross and Blue Shield Association.
3. List four features that make BCBS plan different from other commercial plans.
4. List the advantages of being a BCBS participating provider.
5. Describe the features of a BCBS participating provider.
6. List typical services found in Major Medical coverage.
7. Explain the benefits of special accidental injury riders/clauses.
8. Explain the benefits of a medical emergency rider.
9. Describe the purpose of the BlueCard program.
10. Explain how a BlueCard patient is identified.
11. Compare how PARs and nonPARs process BlueCard claims.
12. Compare the major differences between BCBS, PPA and POS plans.
13. State the deadline for filing BCBS claims.
14. Complete BCBS claims accurately.
Covered Topics
History of Blue Cross and Blue Shield
Blue Cross Blue Shield Plans
Billing Information Summary
Step-by-Step Claim Instructions
BCBS Secondary Coverage
Module 14 Medicare
Objectives - Upon successful completion of this chapter, you should be able to:
1. Define key terms.
2. List six categories of persons eligible for Medicare coverage.
3. Describe coverage for each of the following:
Medicare Part A hospice care
Medicare Part B heart transplant
ESRD dialysis cases kidney donor
4. List and describe six incentives developed by Congress to encourage providers to become Medicare participating providers.
5. List and describe six restrictions placed on Medicare nonPAR providers.
6. Explain the requirements for use of the Medicare medical necessity statement.
7. Explain requirements governing use of the surgery financial disclosure statement.
8. List and define seven types of insurance programs that are primary to Medicare.
9. List and define two types of programs that are classified as Medicare supplemental plans.
10. Explain how a policy falls in to the extra coverage category and how it affects Medicare billing.
11. Explain how a Medicare claim is filed for Medicare patients enrolled in Medicare risk-restricted or cost-based HMO's.
12. Explain the billing sequence for Medicare patients with employer-sponsored plans, Medigap, Medicare-Medicaid crossover plans and Medicare as secondary coverage.
13. Explain how Medicare's liability as a secondary payer is calculated.
14. State the deadline for filing Medicare claims.
15. Discuss the provider's legal responsibility for collecting the patient's deductible and coinsurance obligations.
16. Explain the procedure health care providers must follow to "opt out" of Medicare.
17. Describe the features of Medicare+Choice with regard to the following: private fee-for-service plan, provider sponsored organizations and Medicare Savings Accounts.
18. File traditional Medicare or Medicare HMO fee-for-service claims properly.
Covered Topics
Medicare Eligibility
Medicare Enrollment
Medicare Part A Coverage
Medicare Part B Coverage
Participating Providers
Nonparticipating Providers
Private Contracting
Advance Beneficiary Notice
Medicare as a Secondary Payer
Medicare Plans
Billing Notes
Step-by Step Claim Instructions
Medicare with Medigap Claims
Medicare-Medicaid Crossover Claims
Medicare Secondary Payer (MSP) Claims
Roster Billing for Mass Vaccination Programs
Module 15 Medicaid
Objectives - Upon successful completion of this chapter, you should be able to:
1. Define key terms
2. List Medicaid federal guidelines.
3. List services covered under the federal portion of Medicaid assistance.
4. List services covered in your state that are not federally mandated services.
5. Explain how to verify a patient's Medicaid eligibility.
6. State the deadline for filing claims (timely filing period).
7. Explain the importance of the spousal impoverishment protection legislation.
8. Describe the preauthorization procedure for services.
9. File a Medicaid claim using the rules for the CMS-1500 claim.
Covered Topics
Federal Eligibility Requirements for Medicaid
Medicaid Covered Services
Medicare-Medicaid relationship
Medicaid as a Secondary Payer
Participating Providers
Medicaid and Managed Care
Medicaid Eligibility Verification System (MEVS)
Medicaid Remittance Advice
Utilization Review
Fraud and Abuse
Medical Necessity
Billing Information Notes
Step-by-Step Claim Instructions
Medicaid as Secondary Claims
Mother / Baby Claims
Module 16 Tricare
Objectives - Upon successful completion of this chapter, you should be able to:
1. Define key terms.
2. List TRICARE eligibility categories.
3. State TRICARE definitions for "medical emergency" and "urgent medical problem".
4. State TRICARE outpatient coverage for mental health and substance abuse.
5. Explain the meaning of TRICARE catastrophic coverage.
6. List six services not covered by TRICARE.
7. List type of health insurance to the TRICARE program.
8. List and define the three levels of TRICARE coverage.
9. State deductibles and cost-share for TRICARE Extra, Standard and Point-of-Service options.
10. File TRICARE Standard and Extra claims properly.
Covered Topics
Tricare Background
Tricare Administration
CHAMPVA
Tricare Options
Tricare Programs and Demonstration Projects
Tricare Supplemental Plans
Tricare Billing Information
Tricare Primary Claim Instructions
Primary Tricare with a Supplemental Policy
Tricare as Secondary Payer
Module 17 Workers' Compensation
Objectives - Upon successful completion of this chapter, you should be able to:
1. Define key terms.
2. List the categories of workers covered by the federal compensation program.
3. List and describe the types of workers' compensation available at the state level.
4. List and describe the classifications fo workers' compensation cases as stipulated by federal law.
5. Select proper terminology to describe "employee's diminished capacity."
6. Identify final destinations for the required copies of the First Report of Injury form.
7. Describe correct billing procedures for workers' compensation cases.
8. Explain the necessity for separating treatment data for work-related injuries and illnesses from those not related to the patient's employment.
9. List the forms necessary to properly file compensation claims.
10. File First Report of Injury reports and claims accurately.
Covered Topics
Federal Workers' Compensation Programs
State Workers' Compensation Program
Eligibility for Coverage
Classification of Workers' Compensation Cases
Special handling of Workers' Compensation Cases
Workers' Compensation and Managed Care
First Report of Injury
Progress Reports
Appeals and Adjudication
Fraud and Abuse
Billing Information Notes
Workers' Compensation Claim Instructions - Patent and Policy Identification

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