How to hire an insurance collector

How to hire an insurance collector, step by step

Here's a step-by-step insurance collector hiring guide:

• Step 1: Identify your hiring needs
• Step 2: Create an ideal candidate profile
• Step 3: Make a budget
• Step 4: Write an insurance collector job description
• Step 5: Post your job
• Step 6: Interview candidates
• Step 7: Send a job offer and onboard your new insurance collector
• Step 8: Go through the hiring process checklist

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1. Identify your hiring needs

   Before you start hiring an insurance collector, identify what type of worker you actually need. Certain positions might call for a full-time employee, while others can be done by a part-time worker or contractor.

   Determine employee vs contractor status

   Is the person you're thinking of hiring a US citizen or green card holder?

   Yes

   No

   An insurance collector's background is also an important factor in determining whether they'll be a good fit for the position. For example, insurance collectors from different industries or fields will have radically different experiences and will bring different viewpoints to the role. You also need to consider the candidate's previous level of experience to make sure they'll be comfortable with the job's level of seniority.

   Here's a comparison of insurance collector salaries for various roles:

   Type of Insurance Collector	Description	Hourly rate
   Insurance Collector	Bill and account collectors, sometimes called collectors, try to recover payment on overdue bills. They negotiate repayment plans with debtors and help them find solutions to make paying their overdue bills easier.	$15-22
   Account Representative	Account representatives are employees who manage client accounts and act as the main contact of the clients they are handling. They maintain existing accounts by updating client details regularly... Show more	$12-24
   Billing Representative	A billing representative assists with the overall operations of the organization's billing department. Billing representatives post payments timely on the database, update account statements, generate financial reports, release invoices, and resolve account discrepancies... Show more	$13-20

   Show more

2. Create an ideal candidate profile

   Common skills:

   • Patients
   • Medical Billing
   • Healthcare
   • Medicaid
   • Appeals
   • Insurance Accounts
   • Patient Accounts
   • A/R
   • CPT
   • Phone Calls
   • Data Entry
   • EOB
   • Insurance Carriers
   • Electronic Claims

   Check all skills

   Responsibilities:

   • Verify accuracy of claims, work EOB's for all insurance company types, identify and solve problems with unpaid claims.
   • Handle workers' comp., HMO, PPO correspondence.
   • Identify incorrect charges base on proper CPT coding and payment methodologies.
   • Utilize ICD9 and CPT code medical directories for billing purposes to get paid on claims.
   • Perform necessary task to have commercial and workers comp EOB's reprocess to receive the correct total reimbursement.
   • Download weekly Florida Medicaid remittance amounts and send to management.

3. Make a budget

   Including a salary range in your insurance collector job description is a great way to entice the best and brightest candidates. An insurance collector salary can vary based on several factors:

   • Location. For example, insurance collectors' average salary in west virginia is 39% less than in connecticut.
   • Seniority. Entry-level insurance collectors earn 28% less than senior-level insurance collectors.
   • Certifications. An insurance collector with a few certifications under their belt will likely demand a higher salary.
   • Company. Working for a prestigious company or an exciting start-up can make a huge difference in an insurance collector's salary.

   Average insurance collector salary

   $39,463yearly

   $18.97 hourly rate

   ---

   Entry-level insurance collector salary

   $33,000 yearly salary

   Updated December 20, 2025

4. Writing an insurance collector job description

   A good insurance collector job description should include a few things:

   • Summary of the role
   • List of responsibilities
   • Required skills and experience

   Including a salary range and the first name of the hiring manager is also appreciated by candidates. Here's an example of an insurance collector job description:

   Insurance collector job description example

   We are Jefferson Dental & Orthodontics and we believe in taking a personal approach to dentistry. Since our humble beginnings in Texas in 1967, we’ve been a trusted friend for our patients near and far. At Jefferson, we understand it takes more than clinical excellence to earn a patient’s trust. It’s of the utmost importance that we all see the patient as a unique individual and demonstrate that their care plan is designed around each of their needs. We’ll do whatever it takes to put a smile on each patient’s face, so the rest of the world can see how amazing it is. We truly change people’s lives. Do you want to be a part of our life changing team?!

   Our philosophy is simple: Our Care Changes People’s Lives. We treat our patients like family to provide the best dental experience because we know a happy, confident smile leads to a better life. We deliver the highest quality care, making dentistry convenient and affordable for everyone. Join our new Hygiene team for the opportunity to have a fulfilling career giving our patients the happy, confident smile they deserve.

   Responsible for dental insurance claim collections, follow-up and appeals activities.

   Requirements:

   In Office Role

   M-F (8-5

   1 Year in Dental field or Health Care field

   Summary

   • Responsible for timely processing of payments on behalf of our insurance carriers

   • Internal departmental training for the role will be provided along with continued support from management and tenured peers

   Responsibilities

   • Ensure that all insurance claims are submitted to the payers in a timely manner

   • Confirm that documentation needed for claim payment is attached and sent to the payer via NEA

   • Review insurance EOB’s to ensure all procedures are paid correctly and in a timely manner

   • Enter adjustments for non-appealable denials to maintain clean ledgers

   • Follow-up and appeal unpaid or underpaid procedures when appropriate

   • Identify issues and trends with your assigned payer and provide suggestions for resolution

   • Work aging report to ensure all claims are paid

   • Other duties as assigned

   Skills

   • Teamwork – Work to develop friendly and supporting team atmosphere

   • Adaptability – Adapts to change in direction to support changing priorities

   • Communication – Expresses ideas clearly and concisely

   • Problem Solving – Ability to solve problems in an effective and timely manner without any impediments

   • Self-Management – Ability to multi-task and exhibit good time management and organization skills to maximize productivity, Functions effectively under pressure

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5. Post your job

   To find the right insurance collector for your business, consider trying out a few different recruiting strategies:

   • Consider internal talent. One of the most important sources of talent for any company is its existing workforce.
   • Ask for referrals. Reach out to friends, family members, and current employees and ask if they know or have worked with insurance collectors they would recommend.
   • Recruit at local colleges. Attend job fairs at local colleges to recruit insurance collectors who meet your education requirements.
   • Social media platforms. LinkedIn, Facebook and Twitter now have more than 3.5 billion users, and you can use social media to reach potential job candidates.

   Post your job online:

   • Post your insurance collector job on Zippia to find and attract quality insurance collector candidates.
   • Use niche websites such as efinancialcareers, financialjobsweb.com, careerbank, financial job bank.
   • Post a job on free websites.

6. Interview candidates

   Your first interview with insurance collector candidates should focus on their interest in the role and background experience. As the hiring process goes on, you can learn more about how they'd fit into the company culture in later rounds of interviews.

   Remember to include a few questions that allow candidates to expand on their strengths in their own words. Asking about their unique skills might reveal things you'd miss otherwise. At this point, good candidates can move on to the technical interview.

   The right interview questions can help you assess a candidate's hard skills, behavioral intelligence, and soft skills.

7. Send a job offer and onboard your new insurance collector

   Once you've selected the best insurance collector candidate for the job, it's time to write an offer letter. In addition to salary, this letter should include details about the benefits and perks you offer the candidate. Ensuring that your offer is competitive is essential, as qualified candidates may be considering other job opportunities. The candidate may wish to negotiate the terms of the offer, and you should be open to discussion. After you reach an agreement, the final step is formalizing the agreement with a contract.

   It's also good etiquette to follow up with applicants who don't get the job by sending them an email letting them know that the position has been filled.

   Once that's done, you can draft an onboarding schedule for the new insurance collector. Human Resources should complete Employee Action Forms and ensure that onboarding paperwork is completed, including I-9s, benefits enrollment, federal and state tax forms, etc. They should also ensure that new employee files are created for internal recordkeeping.

8. Go through the hiring process checklist

   • Determine employee type (full-time, part-time, contractor, etc.)
   • Submit a job requisition form to the HR department
   • Define job responsibilities and requirements
   • Establish budget and timeline
   • Determine hiring decision makers for the role
   • Write job description
   • Post job on job boards, company website, etc.
   • Promote the job internally
   • Process applications through applicant tracking system
   • Review resumes and cover letters
   • Shortlist candidates for screening
   • Hold phone/virtual interview screening with first round of candidates
   • Conduct in-person interviews with top candidates from first round
   • Score candidates based on weighted criteria (e.g., experience, education, background, cultural fit, skill set, etc.)
   • Conduct background checks on top candidates
   • Check references of top candidates
   • Consult with HR and hiring decision makers on job offer specifics
   • Extend offer to top candidate(s)
   • Receive formal job offer acceptance and signed employment contract
   • Inform other candidates that the position has been filled
   • Set and communicate onboarding schedule to new hire(s)
   • Complete new hire paperwork (i9, benefits enrollment, tax forms, etc.)

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