Financial Services Representative

First Fertility; United States; Remote; USD 36,000 - 40,000; Full time

Benefits offered by this job

Paid time off

401(k) plan

Medical insurance

Dental insurance

Vision insurance

HSA

FSA

Disability insurance

Life insurance

Job summary

Center for Advanced Reproductive Services is seeking a dedicated Financial Services Representative to guide patients through the financial aspects of fertility care in a fully remote, full-time role. You will handle insurance benefits, treatment cost estimates, and payment coordination for diagnostics and ART procedures.

You will collaborate with physicians and clinical staff to keep financial and clinical workflows aligned, ensuring accurate billing and compassionate patient communication

Qualifications

• Minimum 2 years in medical billing, insurance verification, or financial counseling.
• Able to explain complex costs clearly and compassionately.
• Experience with EMR and billing systems preferred.

Responsibilities

• Provide financial counseling to patients regarding costs and insurance benefits.
• Verify insurance, obtain authorizations, and resolve coverage discrepancies.
• Prepare treatment estimates and collect payments per policy.
• Maintain accurate billing documentation and EMR records.
• Respond to patient inquiries via phone and email with professionalism.

Skills

Financial counseling

Insurance knowledge

Clear communication

Discretion

Team collaboration

Education

High school diploma

Associate/Bachelor preferred in healthcare administration or related field

Tools

EMR systems

Billing software

Job description

About Center for Advanced Reproductive Services

The Center for Advanced Reproductive Services (CARS) brings nearly four decades of experience caring for fertility patients. Led by reproductive endocrinology experts, our results and reputation are among the best because we pair the most appropriate medical care with an environment that is sensitive to every patient’s needs.

The Role

We are seeking a professional and compassionate full-time, fully remote Financial Services Representative (FSR) to guide patients through the financial side of fertility care. Supporting an assigned team physician, you’ll be the go-to resource for insurance benefits, treatment cost estimates, and payment coordination for diagnostic testing and assisted reproductive technologies (ART). Many patients come to us overwhelmed by complex coverage and payment options. This role is ideal for someone who can explain the numbers clearly, handle sensitive conversations with discretion, and make a stressful part of the journey feel manageable.

What You’ll Do

You’ll own each patient’s financial experience from treatment planning through cycle completion, working closely with physicians, nurses, and clinical coordinators so financial and clinical workflows stay aligned.

• Financial counseling: Review treatment plans with patients before care begins and explain costs, insurance benefits, and out-of-pocket responsibilities for diagnostics, IUI, IVF, fertility preservation, and related medications.
• Insurance verification and authorization: A third-party partner performs verifications and prior authorizations, and you own their accuracy and follow-up. You’ll confirm eligibility and benefits, secure authorizations and referrals, and work with carriers to resolve denials and coverage discrepancies.
• Estimates, payments, and clearance: Prepare accurate treatment estimates and consents, collect payments per clinic policy, coordinate with third-party financing programs, and ensure financial clearance before treatment start dates.
• Billing and account accuracy: Complete daily charge entry for IVF cycles and verify superbills, finalizing by month end. Monitor accounts through cycle completion and partner with the Central Billing Office on refunds and adjustments.
• Patient support: Respond promptly to patient questions by phone and email, and follow up on outstanding balances with professionalism and sensitivity.
• Team support: Review the physician schedule a few days out to keep it full and accurate, cover FSR positions during absences, and help train new FSRs. Maintain accurate EMR and billing documentation in line with clinic policy, payer requirements, and HIPAA.

What We’re Looking For

• High school diploma or equivalent and a minimum of 2 years' experience in medical billing, insurance verification, or financial counseling
• Strong understanding of insurance plans, benefits, and prior authorization processes
• Ability to explain complex financial and insurance information clearly and compassionately
• Strong attention to detail and the ability to manage multiple priorities in a fast-paced clinical environment
• Excellent communication, organizational, and customer service skills, with discretion when handling sensitive information
• Preferred: experience in infertility, reproductive endocrinology, OB/GYN, or specialty practice; familiarity with ART procedures and fertility benefit structures; EMR and practice management system experience
• Preferred: Associate's or Bachelor's degree in healthcare administration, business, or a related field

Schedule

Full-time, fully remote position, 40 hours per week. Monday through Friday, 7:30 a.m. to 4:30 p.m. ET, with a rotating Saturday shift from 11:00 a.m. to 3:00 p.m. approximately every six weeks. Saturday hours are balanced with comp time during the week to maintain a 40-hour schedule.

What We Offer

Pay range of $26 to $29 per hour, plus a comprehensive benefits package, including:

• Two weeks of paid time off
• 401(k) retirement plan
• Medical, dental, and vision insurance
• Health Savings Account (HSA) and Flexible Spending Account (FSA)
• Critical illness coverage
• Short-term disability
• Voluntary long-term disability
• Voluntary life insurance
• Complimentary life insurance policy for employees

Join Us

This role is an opportunity to make a meaningful impact in patients’ lives by supporting them through their reproductive journeys. You’ll join a collaborative, team-driven practice committed to high standards of care and innovation in reproductive health.