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At the most basic level, a Field Marketing Organization (FMO) or an Insurance Marketing Organization (IMO) is a company that offers insurance products and services to insurance agents or agencies. Most FMO's will normally offer services above and beyond insurance products, but the services offered will vary by company.

Senior Insurance Specialist

Ensures the timely resolution of medical insurance claims filed with insurance carriers and agencies. Handles billing related activities for assigned medical specialties; ensures appropriate coding to maximize reimbursement of claims. Verifies patient insurance and medicaid coverage for billing purposes. Maintains a comprehensive knowledge of billing requirements for assigned medical specialties. May prepare physician charges for processing, using ICD-9 and CPT coding procedures. Determines if patient or third party is appropriate payer and posts payments to accounts. Identifies which accounts require immediate follow up and follows established procedures. Maintains required record-keeping and databases. Assists in training other employees on reimbursement related topics.


An amount paid to a ceding company in addition to the acquisition cost to compensate for overhead expenses.

Contents derived and acquired from Wikipedia*

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