For Example:
Let me tell you about Meenal Joshi, a quiet 26-year-old commerce graduate from Noida. Just two years ago, she was stuck in a night-shift domestic BPO job, earning ₹14,000 a month by answering angry customer calls—with no real career path and no hope of growth. She had zero background in medicine. In fact, she didn’t even know what “ICD-10” or “claim denial” meant.
Everything changed when she enrolled in a 3-month U.S. Healthcare Training program, specialising in Medical Billing and Denial Management. During her training, she learned how the American insurance system works, how to read claim forms like the CMS-1500, how to navigate insurance policies, and how to communicate professionally with U.S.-based insurance representatives.
Today, Meenal works as an AR Caller at a U.S. Healthcare BPO in Sector 62, Noida.
Through structured training, she mastered the core concepts—like CPT codes, claim lifecycles, clearinghouses, and payer-specific denial patterns. Now, each day, she logs into her dual-monitor workstation, opens the provider’s Practice Management System (like Kareo, Athenahealth, or AdvancedMD), and pulls up a queue of denied or delayed claims.
Then, using a soft-dialer connected to a U.S. VoIP line, she calls major insurance carriers—Aetna, Cigna, Medicare, UnitedHealthcare—and asks:
“Can you clarify why claim #854933 for Dr. Jacob’s patient on June 12th was denied?”
If the rep says it was due to missing prior authorisation or an incorrect diagnosis code, Meenal documents everything in the system. She updates the claim status, tags the denial reason, and either escalates the issue to the billing team or—if it’s a minor error—resubmits the corrected claim or files a quick appeal herself.
Every call she makes is about recovering real money—thousands of dollars—for U.S. doctors. And she’s doing it from an office in India, without ever leaving the country.
Today, Meenal earns ₹42,000/month, enjoys performance-based bonuses, and has a deeper understanding of U.S. payer rules and appeal timelines than many entry-level healthcare workers in the U.S.
And she’s not alone.
Thousands of young professionals in India—just like her—are powering the financial backend of America’s trillion-dollar healthcare system from cities like Noida, Hyderabad, Pune, and Chennai.