Insurance verification representative vs insurance clerk

The differences between insurance verification representatives and insurance clerks can be seen in a few details. Each job has different responsibilities and duties. It typically takes 2-4 years to become both an insurance verification representative and an insurance clerk. Additionally, an insurance clerk has an average salary of $33,089, which is higher than the $32,706 average annual salary of an insurance verification representative.

The top three skills for an insurance verification representative include patients, insurance verification and customer service. The most important skills for an insurance clerk are patients, insurance verification, and data entry.

Insurance verification representative vs insurance clerk overview

	Insurance Verification Representative	Insurance Clerk
Yearly salary	$32,706	$33,089
Hourly rate	$15.72	$15.91
Growth rate	-4%	-3%
Number of jobs	150,260	147,755
Job satisfaction	-	2
Most common degree	Bachelor's Degree, 28%	High School Diploma, 29%
Average age	40	44
Years of experience	4	4

What does an insurance verification representative do?

An insurance verification representative is responsible for ensuring the coverage of a patient's healthcare benefits by required procedures. Your duties will typically include updating patient information, verifying insurance coverage of patients, and arranging payment for medical services that are not covered under insurance. In addition, you will be checking eligibility and benefits for healthcare providers and explaining Medicare and CMS guidelines as needed. As an insurance verification representative, you are also expected to advise and discuss various financing options that best fit a patient's budget.

What does an insurance clerk do?

An insurance clerk usually works to process insurance, reinstatement, changes, or cancellations for a company or an individual account. They are responsible for monitoring, processing, and organizing different insurance claims for a client. They usually work closely with the company's insurance agent to provide necessary information to process the clients' application. This career requires a broad knowledge of local and state insurance policies, good attention to detail, excellent communication skills, customer service skills, and administrative skills.

Insurance verification representative vs insurance clerk salary

Insurance verification representatives and insurance clerks have different pay scales, as shown below.

	Insurance Verification Representative	Insurance Clerk
Average salary	$32,706	$33,089
Salary range	Between $28,000 And $37,000	Between $27,000 And $39,000
Highest paying City	Charleston, WV	Henderson, NV
Highest paying state	Massachusetts	New Hampshire
Best paying company	Student Conservation Association	Lenoir Memorial Hospital
Best paying industry	Health Care	Finance

Differences between insurance verification representative and insurance clerk education

There are a few differences between an insurance verification representative and an insurance clerk in terms of educational background:

	Insurance Verification Representative	Insurance Clerk
Most common degree	Bachelor's Degree, 28%	High School Diploma, 29%
Most common major	Business	Business
Most common college	Stanford University	-

Insurance verification representative vs insurance clerk demographics

Here are the differences between insurance verification representatives' and insurance clerks' demographics:

	Insurance Verification Representative	Insurance Clerk
Average age	40	44
Gender ratio	Male, 15.1% Female, 84.9%	Male, 8.3% Female, 91.7%
Race ratio	Black or African American, 12.6% Unknown, 4.8% Hispanic or Latino, 22.0% Asian, 6.3% White, 53.8% American Indian and Alaska Native, 0.6%	Black or African American, 13.8% Unknown, 4.3% Hispanic or Latino, 14.4% Asian, 3.9% White, 63.2% American Indian and Alaska Native, 0.5%
LGBT Percentage	7%	11%

Differences between insurance verification representative and insurance clerk duties and responsibilities

Insurance verification representative example responsibilities.

Coach, evaluate and performance manage MSRs to ensure timely and accurate service to clients.
Practice confidentiality while handling patients' medical information with use of the HIPAA law.
Verify Medicare, Medicaid, other government agencies and private insurance for new patients to determine their individualize eligibility and benefits.
Verify HMO referrals and treatment plans are authorize.
Have knowledge in difference between HMO and PPO insurance.
Comply with HIPPA due to the nature of client information.

Insurance clerk example responsibilities.

Manage front office check-in, insurance verification and certifications from doctors.
Establish and implement procedures for completion of patient super bills with proper diagnostic coding utilizing ICD-9 and CPT code manuals.
Maintain patient medical records insuring diagnosis codes (ICD-9) are itemized correctly and name and address of insurance carriers record.
Schedule and obtain authorization for outpatient procedures for patients via private insurance, worker's compensation, and Medicare/ Medicaid.
Complete several ICD-10 training courses.
Perform medical coding with most accurate and descriptive HCPCS code.

Insurance verification representative vs insurance clerk skills

Common insurance verification representative skills

Patients, 21%
Insurance Verification, 14%
Customer Service, 11%
Medical Terminology, 6%
Insurance Benefits, 4%
Insurance Eligibility, 4%

Common insurance clerk skills

Patients, 25%
Insurance Verification, 7%
Data Entry, 7%
Customer Service, 6%
Insurance Coverage, 5%
Computer System, 3%

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Insurance Verification Representative
Insurance Verification Representative vs Insurance Clerk

Updated January 8, 2025

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