Counselor is responsible for the accurate and timely verification of insurance benefits, to include: contacting patients and/or guardians to obtain additional insurance information, researching and maintaining an ongoing collective knowledge of HMO, PPO, Medicaid, Medicare, and commercial insurance reimbursement rates and criteria, evaluating plans to calculate and estimate of the patient's out of pocket charges, collecting any co-pays, co-insurance, deductibles, etc. and exploring patient's financial circumstances to ensure fair and reasonable repayment terms. Counselor assesses patients' financial ability, determines ability to pay, advises patients on insurance benefits, explains financial liability, collects payment, negotiates payment arrangements, secures financing, identifies funding sources and resolves any confusion the patient may have about their financial obligations to the facility.